BlastPoint's Banking Scorecard
Access Bank
Community
Specialty: Commercial
NE
FDIC cert 58727
Omaha, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Access Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 45% in Community
- - Credit Risk Growth: Bottom 46% in Community
- - Capital Constraint: Bottom 61% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$953.5M
+0.1% YoY
+0.2% QoQ
|
-$437.9M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$766.1M
+5.7% YoY
+0.6% QoQ
|
-$209.4M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$758.8M
-4.6% YoY
+0.1% QoQ
|
-$405.8M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.12%
+9.3% YoY
+3.4% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.71%
+11.9% YoY
+2.3% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
62.57%
-4.9% YoY
-2.9% QoQ
|
-0.06% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.43%
+378.3% QoQ
|
-0.20% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
100.96%
+10.9% YoY
+0.5% QoQ
|
+17.89% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.21%
+17.0% YoY
+13.3% QoQ
|
+2.17% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.35%
+380.2% QoQ
|
-0.15% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
11.57%
+0.8% YoY
-2.0% QoQ
|
+1.32% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.62%
-3.1% YoY
+34.4% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#112 of 245 · Bottom 45% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.12%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#298 of 642 · Bottom 46% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Capital Constraint
risk
#29 of 47 · Bottom 61% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
100.96%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.57%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.21% · Tier avg: 21.05%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
54
54th pctile
Total Loans
Current: $766.1M · Tier avg: $975.5M
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
49
49th pctile
Efficiency Ratio
Current: 62.57% · Tier avg: 62.63%
47
47th pctile
Total Assets
Current: $953.5M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $758.8M · Tier avg: $1.2B
42
42th pctile
Tier 1 Capital Ratio
Current: 11.57% · Tier avg: 10.24%
11
11th pctile
Loan-to-Deposit Ratio
Current: 100.96% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 100.96% · Tier avg: 83.06%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.57% · Tier avg: 10.24%
43
43th pctile
Total Deposits
Current: $758.8M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $953.5M · Tier avg: $1.4B
49
49th pctile
Efficiency Ratio
Current: 62.57% · Tier avg: 62.63%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
54
54th pctile
Total Loans
Current: $766.1M · Tier avg: $975.5M
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.21% · Tier avg: 21.05%