Access Bank
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Data as of · sourced from FFIEC call reports. How we update
Access Bank is an FDIC-insured commercial bank headquartered in Omaha, NE, established in 2007 (FDIC certificate 58727), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.10B, up 21.9% from Q2 2025, the 17th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.02% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58727
- Headquarters
- Omaha, NE
- Established
- 2007
- Total assets, Q2 2026
- $1.10B
- Assets vs Q2 2025
- +21.9%
- CET1 ratio, Q2 2026
- 12.02%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 104014138
- Latest call report
- Q2 2026, FFIEC 041 · Access Bank call report
- Holding company
- 3MV BANCORP, INC.
- Asset rank in state
- 17th of 138 in Nebraska
Problem loans are rising at Access Bank. Based in Omaha, Nebraska, it had $1.1 billion in assets at June 30, 2026, up 21.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.51% of loans from 0.05% a year earlier. It grew deposits 25.4% over the year, 5.0 times the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Deposits are coming in faster than loans: over the year loans rose 8.1% and deposits rose 25.4%. Delinquency has appeared in its $248 million non-owner-occupied commercial real estate book: 1.33% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.45% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Access Bank reported a CET1 capital ratio of 12.02%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 3.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Access Bank is the 17th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 10.0% to $1.10B, loans rose 0.4% and deposits rose 12.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.3% of total loans, followed by 1-4 family residential loans at 18.5%. The FDIC Summary of Deposits lists 6 offices for it, in Omaha, NE and La Vista, NE; its Omaha 5 offices book 92% of its branch deposits. On its Q2 2026 call report, Access Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8712 W Dodge Rd, Omaha, NE 68114
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 10, 2007
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 114
- Domestic deposits
- $905.3M
- Allowance for credit losses
- $11.8M
- Net charge-offs (YTD)
- $320K
- Average total assets
- $1.05B
- Average total loans
- $818.4M
- Average interest-bearing deposits
- $700.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 10, 2007
- FDIC Cert
- 58727
- Fed RSSD
- 3614837
- SEC CIK
- 1398673 → filed by 3MV BANCORP, INC.
- Website
- WWW.ACCESSBANK.COM →
- Parent Holding Company
- 3MV BANCORP, INC. (RSSD 3637939)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Access Bank's total assets ranged from $905.0M (Q2 2025) to $1.10B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.10B total assets against $905.0M; $988.5M total liabilities against $800.6M.
$804.9M net loans and leases against $744.8M; $905.3M total deposits against $721.7M.
$100.8M securities against $89.8M; $142.9M cash and balances due against $16.8M.
$14.7M total interest income against $12.7M; $5.7M total interest expense against $5.0M.
$9.0M net interest income against $7.8M.
$1.6M total noninterest income against $1.6M; $6.6M total noninterest expense against $6.2M.
$340K provision for credit losses against $168K.
$3.0M net income against $2.5M.
1.13% return on assets against 1.07%; 3.62% net interest margin against 3.49%.
12.02% CET1 capital ratio against 11.73%; 10.65% tier 1 leverage ratio against 10.85%.
Inside the full Access Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Access Bank rankings
Its closest position to the top of a national ranking is 948 of 4,196, for total assets; its furthest is 1,701 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.91% (Q1 2025) to 1.28% (Q1 2026) and its net interest margin ran from 3.15% (Q3 2024) to 3.93% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.02% | 1.13% | 0.51% | 3.54% | 3.62% |
| Q1 2026 | 11.79% | 1.28% | 0.50% | 3.57% | 3.79% |
| Q4 2025 | 11.57% | 1.20% | 0.43% | 3.00% | 3.81% |
| Q3 2025 | 11.80% | 1.27% | 0.09% | 0.63% | 3.93% |
| Q2 2025 | 11.73% | 1.07% | 0.05% | 0.39% | 3.49% |
| Q1 2025 | 11.62% | 0.91% | 0.00% | 0.00% | 3.32% |
| Q4 2024 | 11.48% | 1.15% | 0.04% | 0.28% | 3.39% |
| Q3 2024 | 11.29% | 0.96% | 0.35% | 2.56% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Access Bank (main office) | Omaha , NE | 68114 | $731.9M |
| Bank of Nebraska Branch | La Vista , NE | 68128 | $72.8M |
| Omaha Branch | Omaha , NE | 68144 | $44.3M |
| Village Pointe Branch | Omaha , NE | 68118 | $32.6M |
| Access Bank Aksarben Branch | Omaha , NE | 68106 | $23.8M |
| Access Bank - Mobile Branch | Omaha , NE | 68114 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2017 | Structure Change | Acquired Bank of Nebraska Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in NE, rank 20 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 651 applications, 566 loans originated, $169.4M originated, across 20 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.8M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Access Bank
What are Access Bank's total assets?
As of the Q2 2026 filing, Access Bank reported total assets of $1.10 billion in its FFIEC call report.
Where is Access Bank headquartered?
It is headquartered in Omaha, NE, United States.
When was Access Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Access Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Access Bank?
Access Bank's primary federal regulator is the FDIC.
What is Access Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.02% in its Q2 2026 call report, above regulatory requirements.
How many branches does Access Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Access Bank's Texas Ratio?
Its Texas Ratio is 3.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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