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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 351st largest bank in the nation. It was established in 1964 and as of March of 2014, it had grown to 497 employees at 36 locations. ANB Bank has a A 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 Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 ANB Bank had $6.25 million in non-current loans and owned real-estate with $197 million in equity and loan loss allowances on hand to cover it. This gives ANB Bank a Texas Ratio of 3.17% 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 9.60% as of March 31, 2013 to 3.17% as of March 31, 2014, resulting in a positive change of 66.95%.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 increased its total deposits by $61.08 million, resulting in 3.68% 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 excellent.



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 $2.09 billion in assets with $197 million in equity, resulting in a capitalization level of 9.42%, which is average.

Institution Statistics

FDIC Certificate #19220
Year Established1964
Primary RegulatorFED
Assets and Liabilities
Assets$2.09 billion
Loans$801.01 million
Deposits$1.72 billion
Equity Capital$185.21 million
Loan Loss Allowance$11.79 million
Unbacked Noncurrent Loans$5.27 million
Real Estate Owned$981,000
Historic Data - March 2013
Assets$2.04 billion
Equity Capital$205.02 million
Loan Loss Allowance$12.10 million
Unbacked Noncurrent Loans$5.27 million
Real Estate Owned$7.74 million
Profit Margin - Quarterly
Net Interest Margin2.9%
Return on Assets1.07%
Return on Equity12.19%
Interest Income$14.47 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

1.41%$10k-60 Month Relationship CD
1.00%$10k-36 Month Relationship CD
1.00%$10k-48 Month Relationship CD
0.90%$10k-60 Month CD
0.55%$10k-48 Month CD
0.55%$10k-24 Month Relationship CD
0.50%$10k-36 Month CD
0.35%$10k-12 Month Relationship CD
0.30%$10k-24 Month CD
0.20%$10k-12 Month CD
0.20%$10k-180 Day Relationship CD
0.15%$10k-90 Day Relationship CD
0.10%$10k-90 Day CD
0.10%$10k-180 Day CD

ANB Bank IRA Rates

1.41%$10k-60 Month Relationship IRA
1.00%$10k-36 Month Relationship IRA
1.00%$10k-48 Month Relationship IRA
0.90%$10k-60 Month IRA
0.55%$10k-24 Month Relationship IRA
0.55%$10k-48 Month IRA
0.50%$10k-36 Month IRA
0.35%$10k-12 Month Relationship IRA
0.30%$10k-24 Month IRA
0.20%$10k-180 Day Relationship IRA
0.20%$10k-12 Month IRA
0.15%$10k-90 Day Relationship IRA
0.10%$10k-90 Day IRA
0.10%$10k-180 Day IRA

ANB Bank has 35 locations. Click to view all ANB Bank locations.