BlastPoint's Banking Scorecard
ANB Bank
Community
Specialty: Commercial
CO
FDIC cert 19220
Denver, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
ANB Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.84% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+0.9% YoY
+2.4% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$1.8B
-3.3% YoY
-2.6% QoQ
|
+$853.0M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$2.7B
+4.8% YoY
+2.2% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
0.81%
+39.0% YoY
+15.5% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.46%
+12.4% YoY
+1.0% QoQ
|
-0.20% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
78.42%
-2.7% YoY
-1.9% QoQ
|
+15.78% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? | 1.40% | +0.77% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
67.89%
-7.8% YoY
-4.6% QoQ
|
-15.17% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
37.88%
-1.9% YoY
-3.4% QoQ
|
+16.84% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.93%
+620.7% QoQ
|
+0.43% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
13.44%
+6.0% YoY
+3.8% QoQ
|
+3.19% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.42%
+5.9% YoY
+30.5% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
37.88%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Flatlined Growth
risk
#69 of 245 · Bottom 28% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.81%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 37.88% · Tier avg: 21.05%
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
62
62th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 10.24%
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.89% · Tier avg: 83.06%
12
12th pctile
Efficiency Ratio
Current: 78.42% · Tier avg: 62.63%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 78.42% · Tier avg: 62.63%
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.89% · Tier avg: 83.06%
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 10.24%
87
87th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 37.88% · Tier avg: 21.05%