# ACCESS NATIONAL BANK
RESTON, VA · FDIC certificate 35189 · asset band $1-10B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.03B | |
| Deposits | $2.29B | |
| Loans and leases | $2.20B | |
| Total equity | $424.0M | |
| Loans / deposits | 95.15% (p65 of band) | 90.82% |
| Liquid assets / assets | 17.52% (p40 of band) | |
| Uninsured deposits / deposits | 41.49% (p81 of band) | 26.64% |
| Brokered deposits | 2.49% | |
| Wholesale funding | 12.28% (p66 of band) | |
| FHLB advances / assets | 8.61% | |
| Tier 1 leverage | 8.95% (p17 of band) | 10.20% |
| Unrealized securities loss / equity | -1.58% (p58 of band) | -1.95% |
| AOCI / equity | -0.76% (p48 of band) | |
| ROA (annualized) | 1.25% (p56 of band) | 1.20% |
| Net interest margin | 3.69% (p52 of band) | 3.66% |
| Efficiency ratio | 57.01% (p34 of band) | |
| Noncurrent loans | 0.32% (p33 of band) | 0.47% |
| Net charge-offs (annualized) | 0.04% (p56 of band) | |
| Reserve coverage of noncurrent | 256.29% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 25.46% (p28 of band) | |
| Auto loans | $606,000 (0.03% of loans; DQ 2.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 360 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 2 |  | loans exceed deposits, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2013-03 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2013-06 | 3 | loans exceed deposits |  |
| 2013-09 | 2 |  | loans exceed deposits |
| 2013-12 | 3 | loans exceed deposits, deposits shrinking | brokered >10% |
| 2014-03 | 3 | brokered >10%, capital falling | loans exceed deposits, deposits shrinking |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | loans exceed deposits |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 3 |  | loans exceed deposits |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 | loans exceed deposits | brokered >10%, capital falling |
| 2017-03 | 3 | brokered >10%, charge-offs p90 | loans exceed deposits |
| 2017-06 | 1 |  | wholesale funding >15%, brokered >10% |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-10-05 [Access National Bank to be acquired by Union Bankshares in $610M deal - WTOP News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNTWt0RGhkWkJ0UTBydGVOMW9vZ09faTB1R3dUMXh4dTgxcUk2VVdXcHlKUnZTZXgtVFlvNk1SWWRZNzRhU0R4NFQwM01oMDkzaXBYTnNZUk41XzZaRGpITWtjQXBza1FLY1FYSEZLODlPQ3RDV0JDTFJZMnFvb1dEX0VodnRTMUJ0c3ozMTFCN2NjbVZtdkNSelNvTllqN1ln?oc=5) · WTOP News
- 2024-02-27 [Atlantic Union gets green light to acquire American National Bank - Richmond BizSense](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNUdHZnlMWkNkVmVDakxmbExjSGNxRl9US3NkWTdUWVlsYndVX1k2ZkRvUDdDTndQMGlyVkJGcXEtbUdpa05jZ3ZfaGx2MmE4S1I5TTNkNXRCc29hWnNqSkc0Yl9ST0JQa0hHUHA0ZzlsRzVOS1RQZ05ickJjRzI3SmNlVkh6OEI5WWc2YnlHWVBDb1BFX1BiZlYwMGJBcmFyUUVzQU5iNG9nUQ?oc=5) · Richmond BizSense
- 2023-07-25 [Atlantic Union Bank expanding in Virginia with acquisition of Danville-based American National - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQRGN1dVBIS1lIZnJKeEt6YjEyTU1xS0ppZmhDb1Jsb3RuR1NOTUpMNFk0T2NDemhmaVB0bktNWDRwTUJ5MlZNOXNTVTJja0JOZjFVbWhheUVaZmZ3M1hHQ3hxRnhZaklMVF9VRVhjajFGc2xuOWZhZHd6N3JqUHJIRDVvNl9weTJwb2ZwRXJJWkpZYVN2Rm5VQWsxU2szUFFULUxJZ3NQbDRuenZ3TXc?oc=5) · The Business Journals
- 2016-07-28 [MBA Adds 16 New Members - National Mortgage Professional](https://news.google.com/rss/articles/CBMickFVX3lxTFBoMEN6OWpWQ2NLUkUtVjJFNFZpeFQyX2tKSE8xNWVXYm1OQ19XcTNyaW9QdmpycW1rVWdUQUNid1ZCNk8yb2VjeHJtZUx5X3QwWDUxWkhHcUpCUFVNM09kZXItQ3UzLXdWa2dQSHZ2UHZQQQ?oc=5) · National Mortgage Professional
- 2019-02-01 [Union Bank & Trust rebranding with Atlantic name - The Daily Progress](https://news.google.com/rss/articles/CBMiywFBVV95cUxOcG1RSWpxbVRhVlBxMXBmaFNFTXpKcmMwQW5uVjdCQWNiV0NhaDBSV20tNVF1dzRTa3dXSk9TeGhnMUpoU2luQ04xZnNSZVFPZDhyZVJPVXBYZngtSTZON25kSVlYTTJPVHQxbG4zX3BtZC0xVDlYUzRWZFNUWUdqOS1RcEJKc3ZzM0h4MlFqWlNHS1N1RW85VWZYQ2xocGZrXzVHY2tyT2Q4MU5HTUR5eGRieTVJYk1OWFFwTUkxN2tjSVRQMVlnbTdKRQ?oc=5) · The Daily Progress
- 2024-04-02 [Atlantic Union completes $507M deal to acquire American National Bank - Richmond BizSense](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY0c5SXBpc3VfZFFtanZEUThaTHBxLWFNcERMUC1idGdqQzZVUDNpSXBNRS1mN0lvUFI4SDFRcHJxQUVvM19QQlNPY1J4THRUbHBMdmYyZmhFRnNsWC1XVW55TDFDa1FjQnNjYUh6YUViblhWYzFHN2Y5UjBjSzRmNlA0NjFldnJyY2FiaFgydWwzSUdWVF94RjhuOXg5Y1RxTFBxS1VEcm5vTnNIYVE?oc=5) · Richmond BizSense
- 2019-05-20 [It's official: Union Bank is now Atlantic Union Bank - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxObS1OYTlwaXlrSzZLcGxGU05oSXRaSUlFTjVZMDhINVNkdTBYQXZ5QVpQNEVXalhham5fcFA4Q1JfbkRzeklXTkUxenJDRzdfb1E0OHBCOFpLMTlBNjB6enhfZUJFTlhZUkpVSklkbjVRVUVzV196ZENIaHo5dURMR3UzT2k4ZHJyTHF2NUtNNnJGT1NNeXUyOW5ZZzRGZmYwVm5KT3lhWmltT0xwV1g0?oc=5) · The Business Journals
- 2019-02-04 [Union Bank closes $500M NoVA acquisition, plans to rebrand as Atlantic Union - Richmond BizSense](https://news.google.com/rss/articles/CBMirgFBVV95cUxQMkhaTGxlT094b0x5bS1oaGZBTmtIZ0JxS2tDcGU3cGIyRVB6cms4TkJGYlJkTTNoVldZc3ExTF9oXzRpRVNpbzJwcGNOMkZrR2k0cFB6Ny1IbDVTVW8yYnI3WVo5QWtDdThqRjZQc1hCZFBqQnFyOENtNkZvRzZQSG5sWEF0cGdnbjJYZ24tMV9xUnF6V3FkS2ZEQkdDMzJrWDZUTTFDRG1lRjJTX3c?oc=5) · Richmond BizSense

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35189 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "35189", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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