Access Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 10.82 percentage points lower than in Q1 2026, at 90.21%. Access Bank ranks 96th of 138 Nebraska banks on return on assets, in the lower half at 1.13% (Q2 2026). Access Bank reported 1.13% on return on assets for Q2 2026, 0.14 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 10.65% |
| Equity capital to assets | 10.37% |
| Tangible equity to tangible assets | 9.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 3.54% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 307.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 10.52% |
| Net interest margin | 3.62% |
| Efficiency ratio | 61.18% |
| Yield on earning assets | 5.89% |
| Cost of funds | 2.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.21% |
| Core deposits to total deposits | 84.21% |
| Brokered deposits to total deposits | 2.76% |
| Deposits to assets | 82.09% |
| Securities to assets | 9.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.68% | 10.68% | 11.93% | 10.33% | 1.12% |
| Q4 2023 | 10.87% | 10.87% | 12.12% | 10.67% | 0.99% |
| Q1 2024 | 11.81% | 11.81% | 13.06% | 10.28% | 1.01% |
| Q2 2024 | 12.16% | 12.16% | 13.41% | 10.27% | 0.86% |
| Q3 2024 | 11.29% | 11.29% | 12.54% | 9.48% | 0.96% |
| Q4 2024 | 11.48% | 11.48% | 12.73% | 9.64% | 1.15% |
| Q1 2025 | 11.62% | 11.62% | 12.87% | 10.21% | 0.91% |
| Q2 2025 | 11.73% | 11.73% | 12.98% | 10.85% | 1.07% |
| Q3 2025 | 11.80% | 11.80% | 13.05% | 11.55% | 1.27% |
| Q4 2025 | 11.57% | 11.57% | 12.82% | 10.84% | 1.20% |
| Q1 2026 | 11.79% | 11.79% | 13.04% | 11.27% | 1.28% |
| Q2 2026 | 12.02% | 12.02% | 13.27% | 10.65% | 1.13% |
Access Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Access Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)