Access Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.76 percentage points lower than in Q1 2026, at 10.37%. Access Bank ranks 45th of 57 Nebraska banks on CET1 ratio, in the lower half at 12.02% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Access Bank sits 1.47 points lower, at 12.02% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 10.65% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $110.9M |
| Tier 1 capital | $110.9M |
| Total risk-based capital | $122.4M |
| Total equity capital | $114.4M |
| Risk-weighted assets | $922.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.37% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 10.89% |
| Internal capital growth rate | 10.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $789K |
| Common stock surplus | $57.9M |
| Retained earnings | $61.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.68% | 10.68% | 11.93% | 10.33% | $901.1M |
| Q4 2023 | 10.87% | 10.87% | 12.12% | 10.67% | $907.6M |
| Q1 2024 | 11.81% | 11.81% | 13.06% | 10.28% | $846.8M |
| Q2 2024 | 12.16% | 12.16% | 13.41% | 10.27% | $836.9M |
| Q3 2024 | 11.29% | 11.29% | 12.54% | 9.48% | $827.0M |
| Q4 2024 | 11.48% | 11.48% | 12.73% | 9.64% | $839.6M |
| Q1 2025 | 11.62% | 11.62% | 12.87% | 10.21% | $849.7M |
| Q2 2025 | 11.73% | 11.73% | 12.98% | 10.85% | $863.6M |
| Q3 2025 | 11.80% | 11.80% | 13.05% | 11.55% | $884.5M |
| Q4 2025 | 11.57% | 11.57% | 12.82% | 10.84% | $904.3M |
| Q1 2026 | 11.79% | 11.79% | 13.04% | 11.27% | $914.9M |
| Q2 2026 | 12.02% | 12.02% | 13.27% | 10.65% | $922.2M |
Access Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Access Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Access Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58727) · FFIEC NIC profile (RSSD 3614837)