ANB Bank
Denver, Colorado, Denver County
$2.9B in total assets, the 462nd largest of 4,309 US banks and 5th of 63 headquartered in Colorado.
- FDIC certificate
- 19220
- Established
- 1964
- Owned by
- Sturm Financial Group Inc
- Primary regulator
- FED
- Website
- ANBBANK.COM
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.9B | 67% | $2.0B | |
| Loans | $1.8B | 60% | $1.4B | |
| Deposits | $2.6B | 71% | $1.7B | |
| Return on assets | 0.91% | 25% | 1.23% | |
| Net interest margin | 3.60% | 42% | 3.71% | |
| Efficiency ratio | 78.0% | 91% | 59.1% | |
| Equity to assets | 7.14% | 4% | 10.38% | |
| Loans to deposits | 69% | 14% | 88% |
Growth
Total assets grew -3.5% a year over the last 5 years and 1.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2014 | Capital West Bank Laramie, WY | $162M |
| May 2012 | Premier Bank Lenexa, KS, an affiliate under the same holding company | $160M |
| Feb 2004 | The American National Bank Cheyenne, WY, an affiliate under the same holding company | $314M |
| Feb 2004 | Mesa National Bank Grand Junction, CO, an affiliate under the same holding company | $320M |
| Mar 2002 | The Bank of Cherry Creek, National Association Denver, CO, an affiliate under the same holding company | $346M |
| Dec 1991 | The Western National Bank of Colorado Colorado Springs, CO | $24M |
| Dec 1991 | The Western National Bank of Academy Boulevard Colorado Springs, CO | $17M |
| Jun 1990 | First Federal Savings and Loan Association of Colorado Springs Colorado Springs, CO | $247M |
Where they operate
29 branches in 17 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Denver County, CO | $586M | 1.0% | 15 of 45 |
| Laramie County, WY | $361M | 11.3% | 2 of 19 |
| El Paso County, CO | $346M | 3.3% | 7 of 40 |
| Mesa County, CO | $280M | 7.4% | 6 of 12 |
| Albany County, WY | $217M | 28.2% | 2 of 8 |
| Garfield County, CO | $145M | 6.6% | 5 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 2 branches since 2016 (31 to 29, −6.5%). 4 opened, 0 acquired, 6 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 31 | |||
| 2017 | Closed Lenexa | 0 | 1 | −1 | 30 |
| 2019 | Opened Basalt and Loveland | 2 | 0 | +2 | 32 |
| 2020 | Closed Colorado Springs | 0 | 1 | −1 | 31 |
| 2021 | Opened DenverClosed Denver and Lenexa | 1 | 2 | −1 | 30 |
| 2022 | Sold 1 branch to UMB Bank, National Association | 0 | 1 | −1 | 29 |
| 2023 | Opened Lakewood | 1 | 0 | +1 | 30 |
| 2025 | Closed Cheyenne | 0 | 1 | −1 | 29 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 32% | 25% | |
| Commercial real estate | 25% | 32% | |
| Business (C&I) | 11% | 14% | |
| Multifamily | 10% | 8% | |
| Construction and land | 4% | 8% | |
| Consumer | 2% | 4% | |
| Farmland | 2% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 12% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 52% | |
| Noninterest-bearing | 36% | 21% | |
| Time deposits | 11% | 27% |
Brokered deposits are 0.0% of deposits (peers 6.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.37% | 0.51% |
| Net charge-offs, annualized | 0.00% | 0.04% |
| Reserves to loans | 0.85% | 1.15% |
| Leverage ratio | 9.52% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Colorado
Largest competitors in Denver County, CO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/anb