ANB Bank
ANB Bank is a privately held Colorado-based community bank with $3B in assets, serving consumers, small-to-medium businesses, and high-net-worth clients across Colorado and Wyoming through 25+ banking centers, digital channels, and the ANB Financial Services wealth management division.
- Company typePrivate
- Founded1964
- HeadquartersDenver, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What ANB Bank does
ANB Bank is a privately held community bank headquartered in Denver, Colorado, operating under holding company Sturm Financial Group, Inc. Founded in 1964 and serving customers across Colorado and Wyoming, the bank holds approximately $3 billion in total assets, ranking it in the top 8% of banks nationwide by size. ANB Bank provides a full suite of consumer and business banking products through 25+ physical banking centers, complemented by online and mobile banking channels with support for digital wallets (Apple Pay, Google Pay, Samsung Pay), Zelle peer-to-peer payments, CardValet debit card controls, eStatements, and the Sage AI-powered digital assistant. Coverage spans the Denver metro, Front Range, Western Slope mountain towns (Aspen, Telluride, Glenwood Springs, Grand Junction), and Wyoming markets (Cheyenne, Casper, Laramie, Gillette, Buffalo, Worland). The bank is FDIC insured, governed by Colorado law, and holds GDPR/CCPA compliance postures with DigiCert-encrypted digital infrastructure.
The bank's product portfolio spans deposit accounts (Ultimate, Easy Checking Plus, Personal Choice, Classic 50, and Youth Checking variants; Premium Money Market, savings, Spare-Change Savings, HSA, CDs), consumer lending (fixed and adjustable-rate mortgages, construction loans, mobile home loans, auto loans, personal loans, home equity, lot loans), and commercial lending (business loans, SBA loans, construction loans, food and agribusiness loans, commercial real estate, overdraft lines of credit). A Treasury Management Services unit serves business clients with receivables, payables, cash and investments, and fraud risk tools. Wealth management is delivered through the ANB Financial Services sub-brand, offering trust administration, estate planning, and investment management for high-net-worth individuals and families.
ANB Bank's revenue model is anchored in net interest income from its lending and deposit-gathering franchise, supplemented by transaction and service fees (deposit accounts, wires, overdraft, check orders), treasury management fees, and wealth management fees via ANB Financial Services. Distribution is omnichannel: physical retail banking centers across two states, a digital platform with iOS/Android mobile apps, a phone-based customer care center (1-866-433-0282, M-F 7am-6pm MT, Sat 8am-12pm MT), and surcharge-free access to the MoneyPass network's 37,000+ ATMs nationwide. A disclosed institutional investment portfolio includes a position in Republic Services, Inc., reflecting active treasury asset management alongside core lending operations.
ANB Bank firmographics
Firmographics- Name
- ANB Bank
- Legal name
- ANB Bank
- Website
- https://anbbank.com
- Company type
- Private
- Founded year
- 1964
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- ANB Bank is a privately held Colorado-based community bank with $3B in assets, serving consumers, small-to-medium businesses, and high-net-worth clients across Colorado and Wyoming through 25+ banking centers, digital channels, and the ANB Financial Services wealth management division.
- Ownership category
- akta.pro rank
Where ANB Bank is headquartered
LocationHeadquarters
- HQ city
- Denver
- HQ country
- United States
- HQ region
- North America
Offices23 records
Markets served
ANB Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Primary revenue from interest earned on loans including mortgages, business loans, personal loans, and credit products. Interest spread between deposits and lending operations.
- Banking Service Fees: Fees from deposit accounts, wire transfers, overdraft protection, check orders, and other banking services.
- Treasury Management Services: Business banking services including receivable solutions, payable solutions, fraud risk management, and business credit/debit cards.
- Financial Services: Trust and estate services and investment management offered through ANB Financial Services division.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Ultimate Checking - Tiered interest rates based on balance |
| Subscription | Monthly | Premium Personal/Business Money Market - Tiered rates up to 1.55% APY |
| One time/ perpetual license | Pay-as-you-go | Certificates of Deposit - Terms from 90 days to 60 months |
| Subscription | Monthly | Community Checking - Tiered rates for community-focused accounts |
| Subscription | Monthly | Personal Savings - Basic savings at 0.08% APY |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
ANB Bank product offering
Product offeringCore offering
ANB Bank is a community bank that provides personal and business banking products and services, including checking and savings accounts, mortgages, personal loans, business lending, SBA loans, treasury management, and wealth management through its ANB Financial Services division. It serves customers across Colorado and Wyoming through 25+ physical banking centers and a digital banking platform with mobile and online access.
Product overview
ANB Bank operates as a community bank offering a comprehensive suite of banking products and services across consumer and business segments. The bank provides a unified platform combining deposit accounts (checking and savings), lending products (mortgages, personal loans, and business loans), digital banking channels (online and mobile), and wealth management services through ANB Financial Services. Core offerings include multiple checking and savings account variants, business and personal lending solutions, Treasury Management Services, Trust and Estate Services, and Investment Management. Digital banking is delivered through ANB Online Banking and Mobile Banking platforms with integrated features including digital wallets (Apple Pay, Google Pay, Samsung Pay), Zelle payments, CardValet controls, and eStatements. The bank's financial technology stack emphasizes security with DigiCert encryption, multi-factor authentication, and fraud monitoring, while offering accessibility features such as ATMs with audio capability, accessible banking centers, and check printing with accessibility options.
Differentiator
Problem solved
Functional benefit
Brands
- ANB Financial Services: Provides Trust and Estate Services and Investment Management services as part of ANB Bank's offerings.
Products and services
- Business Checking Business checking accounts including Business Analysis, Business Plus, Business Choice, Community, and Lawyer and Real Estate Trusts variants, offering deposit services, overdraft protection, and business online banking access for small and mid-sized businesses.
- Business Savings
- Business Lending
- Business Online & Mobile Banking
- Business Debit and Credit Cards
- Treasury Management Services
- Personal Checking
- Personal Savings
- Mortgages
- Personal Loans
- Personal Online & Mobile Banking
- Personal Debit and Credit Cards
- Trust and Estate Services
- Investment Management
Quantifiable outcome
- $3 billion in assets demonstrates financial strength and stability
Companies that use ANB Bank
Customer profileSegments3 records
Ideal customer profiles3 records
ANB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
ANB Bank partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights5 records
ANB Bank competitors and assessment
Company assessmentDirect peers
- National Bank Holdings Corporation: NBHC is a Colorado-headquartered bank holding company operating community banks across Colorado and adjacent Mountain West states. Most directly comparable peer given shared Colorado headquarters geography and community/commercial banking focus with similar SMB and consumer orientation.
- Glacier Bancorp: Glacier is a multi-state community bank holding company with decentralized regional bank subsidiaries in the Mountain West and Western U.S. Highly comparable business model of small-footprint community banks with relationship lending and deposit gathering in geographically similar markets.
- First Western Financial: Colorado-based bank holding combining community banking with wealth management (trust and investment services)—a near-exact analog of ANB Bank plus ANB Financial Services. Direct overlap in Colorado footprint and integrated wealth offering.
- First Interstate BancSystem: First Interstate is a regional bank holding company headquartered in Montana with a significant Wyoming presence and Mountain West branch network. Comparable community/commercial bank profile serving similar Rocky Mountain states and customer base.
- Banner Corporation: Banner operates a Pacific Northwest community bank franchise with similar mid-size asset base and diversified commercial/consumer lending mix. Comparable regional community bank business model with private-to-public listing history relevant to ANB.
- CVB Financial: CVB Financial is the holding company for Citizens Business Bank, a California-focused community/commercial bank. Comparable asset size, conservative underwriting culture, and full-service personal/business banking model.
- Pinnacle Financial Partners: Pinnacle is a Tennessee-based community bank with comparable growth profile and full-service commercial/consumer banking. Referenceable for community-bank growth playbook and digital deposit gathering at sub-$10B asset scale.
- Heritage Financial Corporation: Heritage Financial operates a Pacific Northwest community bank franchise with similar asset size and commercial banking mix. Comparable model for community bank treasury management and business lending execution.
- Stock Yards Bancorp: Stock Yards is a Kentucky/Indiana community bank with comparable asset size and a wealth management subsidiary—directly analogous to ANB's bank plus ANB Financial Services structure.
Broad incumbents
- UMB Financial Corporation: UMB is a Midwestern bank holding company with a substantial commercial banking, treasury management, and institutional asset management franchise. Comparable scaled-up version of ANB's diversified community-bank-plus-wealth offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
ANB Bank social profiles
Digital presenceANB Bank compliance and trust
Trust signalCompliance5 records
ANB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
ANB Bank leadership team
Management profileNumber of profiles
Profiles3 records
ANB Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ANB Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ANB Bank
What does ANB Bank do?
ANB Bank is a community bank that provides personal and business banking products and services, including checking and savings accounts, mortgages, personal loans, business lending, SBA loans, treasury management, and wealth management through its ANB Financial Services division. It serves customers across Colorado and Wyoming through 25+ physical banking centers and a digital banking platform with mobile and online access.
Is ANB Bank a public or private company?
ANB Bank is a private company. It is classified as corporate owned and is currently operating.
When was ANB Bank founded?
ANB Bank was founded in 1964. It employs 501 to 1,000 people.
Where is ANB Bank based?
ANB Bank is headquartered in Denver, United States, in the North America region.
How does ANB Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are banking Service Fees, treasury Management Services and financial Services.
Who are ANB Bank's main competitors?
Direct peers on record are National Bank Holdings Corporation, Glacier Bancorp, First Western Financial, First Interstate BancSystem, Banner Corporation, CVB Financial, Pinnacle Financial Partners, Heritage Financial Corporation and Stock Yards Bancorp. UMB Financial Corporation is listed as a broad incumbent.
Does ANB Bank have an API?
No public API is recorded for ANB Bank.