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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

Anb Bank

Denver, Colorado · $2.85B in assets · beside the 11 other the Mountain West banks between $1B and $3B (the state alone holds too few in the band to rank)

The filing

7.1%
Equity / assets
12th of 12
78.0%
Efficiency
12th of 12
-5.5%
Loans, year over year
12th of 12, largest first

Anb Bank is the third largest of the 12 the Mountain West banks nearest its size between $1B and $3B, with $2.85B in assets at 30 June 2026. Loans are 69.2% of deposits, 3rd of 12 against a median of 89.3%, and equity is 7.1% of assets, the lowest in the cohort. Loans grew -5.5% in the year, the slowest in the cohort, and deposits grew 1.2%; the cohort's median loan growth is +14.1%.

Noncurrent loans are 0.37% of the book, 3rd of 12 against a median of 0.49%; 0.27% is 30 to 89 days past due, and the allowance covers them 2.3 times. Commercial real estate is 27.2% of loans, 7th of 12 against a median of 24.8%, and 166% of capital, below the 300% screen, with construction at 24% against the 100% screen.

Return on assets is 0.87%, 10th of 12 against a median of 2.06%, on an efficiency ratio of 78.0%, the highest in the cohort. Five years ago it was 1.21%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

The efficiency ratioMountain West banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 47.6% SF Square Finl Services Inc 15.4% MB Medallion Bank 27.7% Bo Bank of Commerce 33.4% NB Nelnet Bank 37.6% CN Column National Association 38.9% SB State Bank of Southern Utah 46.1% CB Central Bank 49.1% CO Credit One Bank N.A. 59.0% W Webbank 63.3% CF Colorado FSB 69.2% OB Opportunity Bank of Montana 75.0% AB Anb Bank 78.0%
Loans, year over yearMountain West banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +14.1% SF Square Finl Services Inc +124.1% NB Nelnet Bank +99.9% CN Column National Association +70.4% CO Credit One Bank N.A. +41.1% W Webbank +34.6% Bo Bank of Commerce +15.3% MB Medallion Bank +12.9% SB State Bank of Southern Utah +4.6% CF Colorado FSB +3.1% CB Central Bank +0.7% OB Opportunity Bank of Montana -0.6% AB Anb Bank -5.5%

SBA 7(a), FY2008 to FY2026

Anb Bank is the 140th largest 7(a) lender into Colorado of 401, with $8M across 32 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 13 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
El Paso, CO$3M75th of 1640.2%quiet FY2016
Denver, CO$1M113th of 1930.1%quiet FY2015
Laramie, WY$1M27th of 641.0%quiet FY2013
Douglas, CO$883K105th of 1560.1%quiet FY2010
Jefferson, CO$744K123rd of 1830.0%quiet FY2014
Adams, CO$712K110th of 1340.1%quiet FY2010
Garfield, CO$694K26th of 480.6%quiet FY2011
Larimer, CO$491K101st of 1330.1%quiet FY2016
Johnson, WY$240K12th of 160.8%quiet FY2013
Elbert, CO$165K37th of 430.3%quiet FY2010
Sheridan, WY$150K31st of 400.2%quiet FY2009
Mesa, CO$40K67th of 670.0%quiet FY2017
Albany, WY$15K29th of 290.0%quiet FY2008
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction11$2M18.6%0.01%962nd of 2,063
Manufacturing3$2M17.2%0.00%1179th of 2,246
Accommodation & food services7$2M17.0%0.00%1345th of 2,596
Retail trade4$1M15.2%0.00%1345th of 2,589
Health care & social assistance6$1M14.9%0.00%997th of 2,172
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and Anb Bank
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans AB Anb Bank 0.1% $8M · 32 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Anb BankRankCohort median
Total CRE against capital, the 300% screen166%7th of 12104%
Construction against capital, the 100% screen24%7th of 1216%
Construction and land development, share of loans4.0%7th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans13.0%7th of 126.9%
Total CRE, the guidance definition, share of loans27.2%7th of 1224.8%
CRE growth over 36 months, the third prong+2.8%3rd of 10+33.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Nelnet Bank$3.00B1.1%37.6%2.17%0.59%1.7%65.7%15.5%
Webbank$2.86B4.8%63.3%0.51%0.40%1.0%107.5%16.7%
Anb Bank$2.85B0.9%78.0%0.37%0.00%0.8%69.2%7.1%
Medallion Bank$2.83B2.2%27.7%0.45%2.76%4.2%116.0%15.9%
State Bank of Southern Utah$2.74B1.7%46.1%0.47%0.26%1.2%80.3%11.4%
Credit One Bank N.A.$2.44B23.9%59.0%3.19%11.01%14.6%137.2%27.1%
Bank of Commerce$2.34B2.1%33.4%1.35%0.54%1.6%91.4%14.8%
Colorado FSB$2.31B0.4%69.2%0.50%0.02%0.8%102.5%11.3%
Central Bank$2.16B2.0%49.1%0.47%0.14%3.2%76.8%14.8%
Opportunity Bank of Montana$2.12B0.8%75.0%0.26%0.03%1.1%87.2%11.7%
Square Finl Services Inc$2.06B33.7%15.4%0.67%12.31%7.6%249.0%65.8%
Column National Association$1.77B5.0%38.9%0.06%-0.24%0.6%23.4%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Anb BankCohort median
20212026Change20212026Change
Loans$1.65B$1.77B+7%$967M$1.71B+77%
Deposits$2.95B$2.55B-13%$1.15B$1.87B+62%
NPA / loans0.21%0.37%+0.16 pts0.37%0.49%+0.12 pts
Efficiency62.7%78.0%+15.3 pts57.3%47.6%-9.7 pts
ROA1.21%0.87%-0.33 pts1.48%2.06%+0.57 pts

This read was prepared for Anb Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Anb Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $1B to $3B
Institution ANBBANK.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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