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ANB Bank Rates & Review September 2026

ANB Bank's 60-Month Certificate rates are at 3.51%, Business 60-Month Certificate rates are at 3.51%, 48-Month Certificate rates are at 3.45%, Business 48-Month Certificate rates are at 3.45%, 36-Month Certificate rates are at 3.40%. ANB Bank's savings rates are at 0.01%. ANB Bank's money market rates are at 0.11%. MonitorBankRates evaluates the financial stability of ANB Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.70%. Rates last updated and verified on 09/18/2026.

ANB Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ANB Bank? Share your experience about ANB Bank by leaving a review below, or read customer reviews before you decide to use ANB Bank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.70%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
ANB Bank
3033 E 1st Ave
Denver, CO 80206
https://www.anbbank.com
Member FDIC

ANB Bank CD Rates

Product Rate APY Term View More
60 Month Certificate 3.46% 3.51% 60 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business 60 Month Certificate 3.46% 3.51% 60 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
48 Month Certificate 3.41% 3.45% 48 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business 48 Month Certificate 3.41% 3.45% 48 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
36 Month Certificate 3.36% 3.40% 36 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business 36 Month Certificate 3.36% 3.40% 36 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
24 Month Certificate 3.31% 3.35% 24 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business 24 Month Certificate 3.31% 3.35% 24 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
12 Month Certificate 3.26% 3.30% 12 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business 12 Month Certificate 3.26% 3.30% 12 Month
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
180 Day Certificate 3.06% 3.10% 180 Day
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business 180 Day Certificate 3.06% 3.10% 180 Day
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
90 Day Certificate 2.97% 3.00% 90 Day
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business 90 Day Certificate 2.97% 3.00% 90 Day
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%

ANB Bank Savings Rates

Product Rate APY View More
Business Health Savings Account 0.01% 0.01%
Min Balance $100
Details Balance: $100 to $999.99*
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Health Savings Account 0.01% 0.01%
Min Balance $1,000
Details Balance: $1,000 to $2,499.99*
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Health Savings Account 0.01% 0.01%
Min Balance $2,500
Details Balance: $2,500 to $9,999.99*
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Health Savings Account 0.01% 0.01%
Min Balance $10,000
Details Balance: $10,000 or more*
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Health Savings Account 0.01% 0.01%
Min Balance $100
Details Daily Balance Tier*; Balance: $100 to $999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Health Savings Account 0.01% 0.01%
Min Balance $1,000
Details Daily Balance Tier*; Balance: $1,000 to $2,499.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Health Savings Account 0.01% 0.01%
Min Balance $2,500
Details Daily Balance Tier*; Balance: $2,500 to $9,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Health Savings Account 0.01% 0.01%
Min Balance $10,000
Details Daily Balance Tier*; Balance: $10,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%

ANB Bank Money Market Rates

Product Rate APY View More
Premium Personal and Business Money Market & IRA Variable 1.54% 1.55%
Min Balance $5,000,000
Details Balance: $5,000,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Premium Personal and Business Money Market & IRA Variable 1.15% 1.37%
Min Balance $1,000,000
Details Balance: $1,000,000 to $4,999,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Premium Personal and Business Money Market & IRA Variable 1.15% 1.15%
Min Balance $250,000
Details Balance: $250,000 to $999,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Premium Personal and Business Money Market & IRA Variable 0.69% 0.69%
Min Balance $100,000
Details Balance: $100,000 to $249,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Premium Personal and Business Money Market & IRA Variable 0.21% 0.21%
Min Balance $25,000
Details Balance: $25,000 to $99,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Premium Personal and Business Money Market & IRA Variable 0.11% 0.11%
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%

ANB Bank Checking Rates

Product Rate APY View More
Business Ultimate Checking 0.25% 0.25%
Min Balance $250,000
Details Balance: $250,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Ultimate Checking 0.25% 0.25%
Min Balance $250,000
Details Balance: $250,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Community Checking 0.20% 0.20%
Min Balance $100,000
Details Balance: $100,000 to $249,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Community Checking 0.20% 0.20%
Min Balance $250,000
Details Balance: $250,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Community Checking 0.20% 0.20%
Min Balance $100,000
Details Balance: $100,000 to $249,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Community Checking 0.20% 0.20%
Min Balance $250,000
Details Balance: $250,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Community Checking 0.15% 0.15%
Min Balance $25,000
Details Balance: $25,000 to $99,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Ultimate Checking 0.15% 0.15%
Min Balance $100,000
Details Balance: $100,000 to $249,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Community Checking 0.15% 0.15%
Min Balance $25,000
Details Balance: $25,000 to $99,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Ultimate Checking 0.15% 0.15%
Min Balance $100,000
Details Balance: $100,000 to $249,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Community Checking 0.10% 0.10%
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Ultimate Checking 0.10% 0.10%
Min Balance $25,000
Details Balance: $25,000 to $99,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Community Checking 0.10% 0.10%
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Ultimate Checking 0.10% 0.10%
Min Balance $25,000
Details Balance: $25,000 to $99,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business Ultimate Checking 0.05% 0.05%
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Ultimate Checking 0.05% 0.05%
Min Balance $0
Details Balance: $0.01 to $24,999.99
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%

ANB Bank Other Rates

Product Rate Points APY/APR Term View More
Small Business Loan 5.49% - 5.49%
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business CARHOF 0.05% - 0.05%
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business COLTAF 2.25% - 2.27%
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
Business IOLTA (Wyoming) 0.05% - 0.05%
Min Balance $1,000
Details Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
CARHOF 0.05% - 0.05%
Min Balance $1,000
Details Daily Balance Tier*; Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
COLTAF 2.25% - 2.27%
Min Balance $1,000
Details Daily Balance Tier*; Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%
IOLTA (Wyoming) 0.05% - 0.05%
Min Balance $1,000
Details Daily Balance Tier*; Balance: $1,000 or more
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.70%

Financial Health History

ANB Bank’s Texas Ratio rose from 1.17% in Q3 2023 to 3.70% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 2.4 to 5.0 and its Health Grade from C- to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 5% 2.0★ 10% 3.0★ 15% 4.0★ 21% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.17% C- Q3 2023 C- Q4 2023 C Q1 2024 B- Q2 2024 B Q3 2024 C+ Q4 2024 B Q1 2025 B- Q2 2025 B Q3 2025 B- Q4 2025 A- Q1 2026 3.70% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.9B3.70%5.0A+
March 31, 2026$3.0B5.41%4.5A-
December 31, 2025$3.0B15.28%4.0B-
September 30, 2025$2.9B2.24%3.7B
June 30, 2025$3.0B2.14%3.3B-
March 31, 2025$2.9B0.86%3.4B
December 31, 2024$3.0B1.20%3.0C+
September 30, 2024$3.0B0.96%3.7B
June 30, 2024$3.0B2.36%3.3B-
March 31, 2024$3.2B1.41%2.6C
December 31, 2023$3.2B0.92%2.2C-
September 30, 2023$3.2B1.17%2.4C-
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for ANB Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather ANB Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ANB Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name ANB Bank
Bank Holding Company STURM FINANCIAL GROUP INC
Address 3033 E 1st Ave, Denver, CO 80206  ·  Denver
FDIC Certificate # 19220
Established 19640901
FDIC Insurance Date 19640901
Domestic Offices 32
Total Branches 32
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
3.70%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.8570%
Return on Equity (ROE) 13.0900%
Non-Performing Loans (NPL) 0.23%
Total Assets $2,854,440,000
Total Deposits $2,554,213,000
Equity Capital $203,934,000
Net Income $12,584,000
Headquarters Denver
Total Branches and Offices 32
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

ANB Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/anb-bank-rates-review-18220">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About ANB Bank

How many branches does ANB Bank operate?

ANB Bank currently maintains approximately 32 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, ANB Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ANB Bank provides members with tools to manage their accounts and build a solid financial history.

Does ANB Bank offer online and mobile banking?

Most modern institutions like ANB Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.anbbank.com.

Current ANB Bank Rates

  • 12-Month CD3.30%
  • 24-Month CD3.35%
  • 36-Month CD3.40%
  • 48-Month CD3.45%
  • 60-Month CD3.51%
  • Savings0.01%
  • MMA0.11%
Retrieved from our database of financial products. Rates subject to change.