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ANB Bank
Denver, CO·FDIC Cert #19220·Charter: STATE·Est. 19640901.0·HC: STURM FINANCIAL GROUP INC
Total Assets
$3.0B
Q4 2025
Return on Assets
0.81%
+0.11%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
78.42%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.81%+0.11
ROE
14.72%+1.62
Efficiency
78.42%-1.53
Equity/Assets
0.00%+0.00
NPL Ratio
1.40%+1.31
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
67.89%-3.30
Charge-offs
0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.7 | 0.7 | 0.8 |
| ROE | 13.8 | 11.8 | 11.3 | 11.8 | 11.6 | 12.6 | 13.1 | 14.7 |
| Efficiency | 80.7 | 81.2 | 80.9 | 80.6 | 83.2 | 81.4 | 79.9 | 78.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.1 | 0.1 | 1.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 69.9 | 76.7 | 74.6 | 73.6 | 73.8 | 73.4 | 71.2 | 67.9 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.7B
Total Loans$1.8B
Total Equity$181.3M
Profitability
ROA0.81%
ROE14.72%
Efficiency Ratio78.42%
Net Income$23.9M
Risk & Asset Quality
NPL Ratio1.40%
Charge-off Rate0.01%
Loan/Deposit67.89%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans