| Metric | ANB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +5.5% | -8.9 pts |
| Deposit growth (YoY) | +1.2% | +5.1% | -3.8 pts |
| Loan growth (YoY) | -5.5% | +5.9% | -11.4 pts |
| ROA | 0.86% | 1.26% | -0.4 pts |
| ROE | 13.1% | 12.2% | +0.9 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.85B | $2.55B | $1.75B | $203.9M | $12.6M | 0.86% | 3.60% | 0.26% |
| Q1 2026 | $2.96B | $2.66B | $1.75B | $191.5M | $5.0M | 0.67% | 3.59% | 0.35% |
| Q4 2025 | $2.99B | $2.69B | $1.83B | $181.3M | $23.9M | 0.81% | 3.46% | 0.93% |
| Q3 2025 | $2.92B | $2.64B | $1.88B | $167.6M | $15.5M | 0.70% | 3.43% | 0.13% |
| Q2 2025 | $2.96B | $2.52B | $1.85B | $156.0M | $9.7M | 0.65% | 3.34% | 0.11% |
| Q1 2025 | $2.95B | $2.54B | $1.87B | $158.2M | $4.4M | 0.60% | 3.24% | 0.05% |
| Q4 2024 | $2.96B | $2.57B | $1.89B | $147.3M | $17.8M | 0.58% | 3.08% | 0.06% |
| Q3 2024 | $3.02B | $2.54B | $1.89B | $170.6M | $13.0M | 0.56% | 2.98% | 0.05% |
Loan mix (Q2 2026): real estate $1.30B · commercial $202.8M · consumer $43.0M · securities $741.3M
| Ratio | ANB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 1.26% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 59.0% | 91st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | ANB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | ANB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | ANB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | ANB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | ANB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
30 branches in 17 counties across 2 states (+0 vs 2024) · $2.52B branch deposits. Biggest market: Denver, CO, ranked 16th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Denver, CO | 2 | $584.3M | 1.05% | 16th |
| El Paso, CO | 4 | $345.1M | 2.21% | 10th |
| Laramie, WY | 2 | $339.9M | 8.86% | 3rd |
| 14 more counties with Pro → | ||||
Colorado: 23rd with 0.88% · Wyoming: 10th with 3.04% · Denver-Aurora-Centennial metro: 27th, 0.57% · Colorado Springs metro: 10th, 2.14% ·
Branch count: 2022 29 · 2023 30 · 2024 30 · 2025 30