# ANB BANK
DENVER, CO · FDIC certificate 19220 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.85B | |
| Deposits | $2.55B | |
| Loans and leases | $1.77B | |
| Total equity | $203.9M | |
| Loans / deposits | 68.58% (p15 of band) | 87.10% |
| Liquid assets / assets | 31.61% (p78 of band) | |
| Uninsured deposits / deposits | 47.27% (p87 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.90% (p34 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.52% (p23 of band) | 10.50% |
| Unrealized securities loss / equity | -21.36% (p18 of band) | -7.75% |
| AOCI / equity | 4.91% (p100 of band) | |
| ROA (annualized) | 0.86% (p21 of band) | 1.26% |
| Net interest margin | 3.60% (p43 of band) | 3.70% |
| Efficiency ratio | 77.99% (p91 of band) | |
| Noncurrent loans | 0.37% (p38 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 229.81% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 34.68% (p35 of band) | |
| Auto loans | $1.8M (0.10% of loans; DQ 0.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 499 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | expense ratio p90 |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 2 | expense ratio p90 |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | expense ratio p90 |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 4 | construction >100% equity, assets shrinking |  |
| 2022-09 | 4 | capital falling | securities losses >30% of equity |
| 2022-12 | 4 | deposits shrinking | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 4 | wholesale funding >15%, securities losses >30% of equity |  |
| 2024-06 | 4 | assets shrinking | wholesale funding >15% |
| 2024-09 | 2 |  | deposits shrinking, securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 2 | expense ratio p90 | construction >100% equity, securities losses >30% of equity |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | reserve under noncurrent | expense ratio p90 |
| 2026-03 | 1 | expense ratio p90 | reserve under noncurrent |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-21 [Sculpture from Carbondale’s 2025 Art Around Town exhibition finds new home with ANB Bank - Post Independent](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNalg0TWFPV1hwRnU4M2FBelYyc2Y5QkR5VHJIdktMdUppajVvMlgtRXdkamFPNEtDX3pVUVJyWEY3dmlqSUktSWxmUHVZU084MzV3dzBhZzFZZFA3TUNMckhlZG9taFRCVmhLMDlNTFo3c3FkekR5OEdRTU9WRGhqY05ZalVhQ1V1emQyT1J0UXJVZUhQVm1Ea00tWGJDdUUxdVZ0OEhfc2h0LVVQeWVfOHRtTjlDMEJyT3U5OXZPLUViR2c?oc=5) · Post Independent
- 2024-09-19 [In memoriam: Donald Sturm LLM ’60 - NYU Law School](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5IczMybjZVWWFWdDk5d2dJNUhtYmRfZi1rU2tvUE90VE02RHpHTFRTY0N2ZFNrMnRRZk44eWpTdlBMOEtKbHZTa2ZIOXd2X2pIU2o2RV9lNUdGR0dRR2trQ1ZCOA?oc=5) · NYU Law School
- 2025-05-07 [ANB Bank banks on a new bank - The Sopris Sun](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5XOGJtdlRycEl2cXRDQVpTQnpBem81TGFkcU9oN013dDVwN3FSa1VJUEswUXlqOVBvc01QMUlWNkRKTTlxS0pVTkZoZno1ZlN6dGtkQmJSdkEyazJONTJiSQ?oc=5) · The Sopris Sun
- 2023-10-02 [ANB Bank names Todd Crowley new president - Oil City News](https://news.google.com/rss/articles/CBMiigFBVV95cUxNandlckhJS2szek5sclBMNlBEblpfU2hlczY4SUxmRkFzT1ZBaVdkZGQxc2JXNnJfd2pXREx6eE1sWm94VTNfWlcwMmxmckRweFJMdUQ2SnpRbmo0Ukl3MVJscmYzR085R3ZjRDA4VFVFM2dFZHhSVTUwWmhqRjktNHdmOFllODdJUEE?oc=5) · Oil City News
- 2020-12-09 [WCCC's Sturm-ANB Bank Mobile Learning Lab Fuels up with Grant from The Colorado Energy Foundation - coloradomesa.edu](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOS1pJWUJ6ZGt3S3o1bDBZU0NaTFl6cHZqcDU0d2QtYkdfelFPR1RVT21CRWFoZHloaDhfNU9PMFNJRG10a3hINGdOQXRrQUwwUUo0bk9XSXo1OWtXZGljQ0h1QUV1Q0pJMUFvYnpoekpwQVVOeFZvbzNXRDFqNE01Nkh6VkUya0pfTFVueDUtMURkZXI5YldPc0hKUmZJMkxrLVhvY0ctZXp6YlFEdjRrcV9UbVdlS0pXcUM1d3hCNHFmeUlyN1lZWXF2a2NQaUtWUXkwdVlzZGdqZw?oc=5) · coloradomesa.edu
- 2024-08-20 [Donald Sturm, ANB Bank owner and philanthropist, dies at 92 - BusinessDen](https://news.google.com/rss/articles/CBMib0FVX3lxTFBFTEJwdFp0ZWZDOHEzdTJPbkd1bmxvTEVqMEhZSDYyYkh0NFFac2NqV3ZFYUtQOXBjSkkzS3I1M2pTUmNkdV9kWW9Sd2pOUjV2bnh0eGxrNWdKT0NKVFFoMHAtYlRLX2hPaVRiZ1Z4cw?oc=5) · BusinessDen
- 2026-08-14 [Lyle Levy named a VP at ANB Bank in Fort Collins - Loveland Reporter-Herald](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWGIwR3RzU0F5N2VhUDA0U0RTVjJaVlpNM3U2WlVzUGFxZkFILVdHckZhNEg5S0tmLWt4aGNfbDYwVE45eFhnX3RYWXM1NDg5OURIQ0xoblI5VDYxS3pXdzBNZ1ozYTNNbGJsQnNjYndnY3NZdXpFS294dkV3WmZFNkE2VnpNamRJTVFWU203UXJOdExtS0E?oc=5) · Loveland Reporter-Herald
- 2025-05-01 [United Community Banks, Inc. Announces Completion of Merger With ANB Holdings, Inc., The Parent of American National Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMiigFBVV95cUxNTGszcFQ1NUVOTk14SFdwa1B0OGFfajFMOFk0ckF1TjU0M0dINVQtSjdPbEpfQVpvN0hLWk5TeC13Qjd5c2otY2plS3hKTWFUemJNQl9pM2RueDBMSkdmNmhKX3lyOWZKR1dWRGNQODVYUmFQajljUDNTa1I2emw3QlU4ZVhITHBSZUE?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19220 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "19220", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide