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3033 East First Avenue
Denver, CO 80206

ANB Bank is headquartered in Denver and is the 5th largest bank in the state of Colorado. It is also the 349th largest bank in the nation. It was established in 1964 and as of December of 2013, it had grown to 503 employees at 39 locations. ANB Bank has a B+ health rating.

Reviews (1)

American National Bank Has Been Fine For Basic Banking Needs

I mostly use American National Bank for a savings account and some CDs for funds I want to keep available for quick access.   It’s a regional bank with offices in Colorado and Wyoming. Although they have quite a few branches in rural areas, there are only 5 branches in the Denver area.

Interest on a basic savings account is currently a measly 0.15%, but that is better than Wells Fargo’s current 0.05%. Interest on CDs is nothing to get too excited about either, but they do pay more than some of the huge national banks.

Service has been fine at the branches I have used.  They usually are not too busy and the employees are very friendly.  I don’t use the on-line banking too much but have linked my Pay-Pal account to this savings account. There have been no problems with transactions being posted correctly.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 ANB Bank had $7.22 million in non-current loans and owned real-estate with $189.41 million in equity and loan loss allowances on hand to cover it. This gives ANB Bank a Texas Ratio of 3.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for ANB Bank decreased dramatically from 8.89% as of December 31, 2012 to 3.81% as of December 31, 2013, resulting in a positive change of 57.08%.This indicates that the balance sheet and financial strength for ANB Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, ANB Bank has decreased its total deposits by -$8.34 million, resulting in -0.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth ANB Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. ANB Bank has $2.06 billion in assets with $189.41 million in equity, resulting in a capitalization level of 9.21%, which is average.

Institution Statistics

FDIC Certificate #19220
Year Established1964
Primary RegulatorFED
Assets and Liabilities
Assets$2.06 billion
Loans$766.33 million
Deposits$1.69 billion
Equity Capital$177.95 million
Loan Loss Allowance$11.46 million
Unbacked Noncurrent Loans$5.03 million
Real Estate Owned$2.20 million
Historic Data - December 2012
Assets$2.05 billion
Equity Capital$204.26 million
Loan Loss Allowance$11.47 million
Unbacked Noncurrent Loans$5.03 million
Real Estate Owned$6.33 million
Profit Margin - Quarterly
Net Interest Margin2.96%
Return on Assets0.57%
Return on Equity6.14%
Interest Income$57.78 million

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ANB Bank Savings Account Rates

0.15%$25k-IRA Variable
0.10%$10k-Health Savings Account
0.05%--Business Regular Savings
0.05%--Minor Savings
0.05%--Personal Regular Savings

ANB Bank Money Market Rates

0.20%$250k-Personal Money Management
0.20%$250k-Business Money Management

ANB Bank Checking Account Rates

0.15%$250k-Ultimate Checking
0.05%$1k-EasyChecking Plus
0.05%$1k-Classic50 Checking
0.05%$1k-Business NOW

ANB Bank CD Rates

1.26%$10k-Relationship 60 Month CD
0.90%$10k-60 Month CD
0.85%$10k-Relationship 48 Month CD
0.80%$10k-Relationship 36 Month CD
0.55%$10k-48 Month CD
0.50%$10k-36 Month CD
0.50%$10k-Relationship 24 Month CD
0.30%$10k-24 Month CD
0.30%$10k-Relationship 12 Month CD
0.20%$10k-12 Month CD
0.20%$10k-Relationship 180 Day CD
0.15%$10k-Relationship 90 Day CD
0.10%$10k-90 Day CD
0.10%$10k-180 Day CD

ANB Bank IRA Rates

1.26%$10k-Relationship 60 Month IRA
0.90%$10k-60 Month IRA
0.85%$10k-Relationship 48 Month IRA
0.80%$10k-Relationship 36 Month IRA
0.55%$10k-48 Month IRA
0.50%$10k-Relationship 24 Month IRA
0.50%$10k-36 Month IRA
0.30%$10k-Relationship 12 Month IRA
0.30%$10k-24 Month IRA
0.20%$10k-Relationship 180 Day IRA
0.20%$10k-12 Month IRA
0.15%$10k-Relationship 90 Day IRA
0.10%$10k-90 Day IRA
0.10%$10k-180 Day IRA

ANB Bank has 36 locations. Click to view all ANB Bank locations.