BlastPoint's Banking Scorecard
ANB Bank
Designations: ✓ Community bank
Denver, CO
32 branches across CO · WY · MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 7 in CO.
- Deposits +1.2% year over year ($2.6B on the books).
- Delinquency rate 0.37%.
- Return on assets 0.86%.
- Efficiency ratio 77.99% vs a 59.73% peer average.
- Loan-to-deposit ratio 68.58% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
ANB Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.15% above tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 18.27% above tier average
- - ROA 0.53% below tier average
- - Net Interest Margin 0.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
-3.4% YoY
-3.7% QoQ
|
+$61.2M |
$2.8B
-0.6% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$1.8B
-5.5% YoY
+0.1% QoQ
|
-$211.5M |
$2.0B
-0.3% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$2.6B
+1.2% YoY
-4.2% QoQ
|
+$235.4M |
$2.3B
-0.5% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
0.86%
+31.2% YoY
+28.4% QoQ
|
-0.53% |
1.39%
+17.0% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
3.60%
+8.0% YoY
+0.3% QoQ
|
-0.27% |
3.87%
+6.2% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
77.99%
-4.2% YoY
-1.1% QoQ
|
+18.27% |
59.73%
-12.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate ? |
0.37%
+490.8% YoY
-14.5% QoQ
|
-0.49% |
0.87%
+11.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
68.58%
-6.6% YoY
+4.4% QoQ
|
-16.45% |
85.04%
-0.1% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Top 13.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.43%
-8.5% YoY
-2.5% QoQ
|
+15.15% |
21.27%
-1.5% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 7.1% in tier |
| Nonperforming Asset Ratio ? |
0.26%
+134.1% YoY
-24.3% QoQ
|
-0.41% |
0.67%
+11.7% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
14.59%
+15.2% YoY
+2.8% QoQ
|
-0.25% |
14.84%
-0.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.24%
+14.4% YoY
+129.0% QoQ
|
-0.28% |
0.53%
+2.5% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
40% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.4%
-3.4pp YoY -0.9pp QoQ |
+15.1pp | 21.4% | 23.5% | 22.2% | 93% |
| Brokered Deposits | n/a | n/a | 9.5% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.6%
+1.8pp YoY +0.1pp QoQ |
-2.4pp | 14.0% | 8.4% | 12.5% | 53% |
| CRE |
40.0%
-0.5pp YoY -0.4pp QoQ |
-10.0pp | 50.0% | 42.8% | 41.4% | 25% |
| 1-4 Family |
32.2%
+1.8pp YoY 0.0pp QoQ |
+5.8pp | 26.4% | 33.0% | 31.3% | 70% |
| Consumer |
2.5%
+0.2pp YoY +0.1pp QoQ |
-2.3pp | 4.7% | 3.9% | 5.0% | 69% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
+1.9pp YoY +0.4pp QoQ |
-1.0pp | 15.6% | 24.9% | 19.7% | 66% |
| Leverage Ratio |
9.5%
+1.2pp YoY +0.5pp QoQ |
-1.8pp | 11.3% | 12.5% | 12.6% | 22% |
| Total Capital Ratio |
15.4%
+1.9pp YoY +0.3pp QoQ |
-1.3pp | 16.7% | 26.1% | 20.8% | 63% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
499
-9 (-1.8%) YoY -3 (-0.6%) QoQ |
+185 | 313 | 107 | 482 | 84% |
| Assets per Employee ($) |
$5.7M
-1.7% YoY -3.1% QoQ |
-$4.8M | $10.5M | $7.8M | $8.8M | 9% |
| Branch Count |
32
-1 (-3.0%) YoY 0 QoQ |
+12 | 20 | 7 | 18 | 83% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.7% | 0.4% | 1% |
| Nonaccrual |
0.4%
+0.3pp YoY -0.1pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 37% |
| Allowance Coverage |
2.30x
-83.3% YoY +7.4% QoQ |
-16.41x | 18.71x | 12.16x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+0.5pp YoY +2.4pp QoQ |
+0.5pp | 12.6% | 9.7% | 11.6% | 58% |
| Cost of Funds (YTD) |
0.9%
-0.2pp YoY 0.0pp QoQ |
-1.0pp | 1.9% | 1.7% | 1.7% | 4% |
| Net Income ($, YTD) |
$12.6M
+30.4% YoY — QoQ |
-$6.7M | $19.2M | $5.4M | $40.4M | 51% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.