Anb Bank: Bank Stress & Real-Estate Credit Exposure

Anb Bank (FDIC Cert #19220) carries a DLRadar bank-stress score of 83/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs Anb Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. DLRadar maps Anb Bank into 17 counties (271 ZIP codes) across 2 states — a mid-sized, regionally concentrated lending base. It concentrates most in Colorado (11 counties), Wyoming (6 counties). County by county, that footprint includes El Paso County, CO, Denver County, CO, Jefferson County, CO, Larimer County, CO, among others DLRadar tracks parcel by parcel. No bank is too small to score the same way: Anb Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 17-county, 271-ZIP profile means exactly what it would for any institution nationwide. Rather than a standalone rating, the severe score is tied to real markets — every one of the 271 ZIP codes Anb Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. A severe score on a footprint this size means the markets Anb Bank touches inherit a corresponding share of that lending pressure. Anb Bank is held under Sturm Financial Group Inc, so its disclosures are public and its stress trajectory is externally verifiable. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

The acquisition angle is simple — lending capacity is what moves deals. As Anb Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.