# ACCESSBANK TEXAS
DENTON, TX · FDIC certificate 58562 · asset band $300M-1B · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $549.1M | |
| Deposits | $495.1M | |
| Loans and leases | $393.6M | |
| Total equity | $53.0M | |
| Loans / deposits | 78.49% (p65 of band) | 70.32% |
| Liquid assets / assets | 25.58% (p32 of band) | |
| Uninsured deposits / deposits | 44.19% (p89 of band) | 27.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.65% (p45 of band) | 9.86% |
| Unrealized securities loss / equity | -2.52% (p89 of band) | -19.94% |
| AOCI / equity | -2.66% (p83 of band) | |
| ROA (annualized) | -0.18% (p2 of band) | 1.00% |
| Net interest margin | 3.41% (p64 of band) | 3.20% |
| Efficiency ratio | 103.41% (p98 of band) | |
| Noncurrent loans | 0.11% (p33 of band) | 0.26% |
| Net charge-offs (annualized) | 0.41% (p98 of band) | |
| Reserve coverage of noncurrent | 1114.51% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 143.13% (p92 of band) | |
| Auto loans | $1.5M (0.38% of loans; DQ 0.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | losing money, charge-offs p90, construction >100% equity |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | losing money |
| 2012-09 | 0 |  | expense ratio p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 0 |  | capital falling, charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, reserve under noncurrent |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 | capital falling | construction >100% equity |
| 2018-12 | 2 | construction >100% equity |  |
| 2019-03 | 2 | reserve under noncurrent | capital falling |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 | noncurrent p90, reserve under noncurrent | construction >100% equity, capital falling |
| 2020-03 | 5 | losing money, charge-offs p90, construction >100% equity |  |
| 2020-06 | 3 | capital falling | noncurrent p90, losing money, construction >100% equity |
| 2020-09 | 2 |  | reserve under noncurrent |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 3 | capital falling, charge-offs p90, construction >100% equity |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | losing money, expense ratio p90 |  |

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

- 2023-08-07 [Acquisition would move fast-growing Texas bank into public finance - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxPLTU1LWVWbDFXaDVETVlyaktTMzliS3QtZmc0REpENnllUWhNMmhIYlE2V1hjM2FhMDFWbWUxSzl2VWluNGc3WlAyb0FHeEZBS21wS1lPRC1hLXZVRldtSElOR05xNmZtOWRxOGQ5c01tTGdFUXFxdUJmWW1UZkpzWG9fWnZXVzBjcXNYd1Y2SVdfX19wSDVCY3Q5bGNpZGtIQ2Jaeg?oc=5) · American Banker
- 2024-11-06 [Hill re-elected to Federal Reserve Bank of Dallas board of directors - Fort Worth Report](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZzNTV3FRcVpwVkFya0xJS093RVpZSzFZLU5iODRveWxGd3J3TVM4NnRENVE0TjJtZ25oSlRsWlFMeEtuVWpOQVlQV2Z4Vjg3SzhyZG0xUE5heVVrRmJldTBKdE1qczl5SnF1TTltVnR6aWdCT2ZNYVU2eGF1bHI1eGgwLXo5V21rbFNxMXNUaXZHMjJlbDVHdU9hdi1pMVJlak5lb1dWMlFpRnpO?oc=5) · Fort Worth Report
- 2024-08-26 [Mandy Austin is Betting on the Future at Texas Regional Bank - D Magazine](https://news.google.com/rss/articles/CBMiugFBVV95cUxQTFZYWEY0cm9PdzBNOUhsZXRIaE0zOFZPMUowMUZ3QVdjbFA0UHhCUVR4bGFvNzlmWl9UVkJMeUJKaWp1aWFnNzktWVZGNUxNa2FxSEFSeUF2b29aaUZnbDNlMXcxbm85R2JEZGpONlpqYXVIcDZXY19scmxyT2lpX1pNUkpKZXZRbklKeDQ2UU9UY28zOGx6TEQ5MlViTjh6RGVyM3RYTUlPSzFOUUwtZGhmTGZsSUNnRmc?oc=5) · D Magazine
- 2024-02-07 [Hiring, commercial lending top of mind as Mandy Austin aims to build Texas Regional Bank brand in DFW - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNRzE3Zl92bzN1dVVHQlVCQWhtQXdYNXVLRlZyNWg4SmRSS2VoM2Zab1EydDNkV05aU002NzMxeS0talktZGJ1aTM2a2tlZkY1V3phT01PVFJFTUFHMS1TWWJhbnRLbmRJLV9yTE9sNGRKOWlqVEJUS2RlNTRVVlZKZ1F0Vjd6UUFQXzdmSG01Nkt2ZWVCQkpmQV9vQ09LV2R1Y0tB?oc=5) · The Business Journals
- 2024-07-24 [Fort Worth’s Hill elected to board at Federal Reserve Bank of Dallas - Fort Worth Report](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWXQ2S1plZXZGaWo0SmN6ZTJ1ZWUwRFpqWEVTOU4zNjNiMHNrY18wQzNvalBkNzctT1FkeEc2eGxmWlBGcldWLXc0dUtNWUl5MzNWZFh3YkVrY0VFX3dLUUg3TFE4VXBrdWhiMmp6YzRjV0xRVEFHZDhDZWNNZFMwXzVoLUhGdko5eVJkQUtRd1ljY19OV0dqMld0SE1rTTN3akZtLVJFaF9pcm8?oc=5) · Fort Worth Report
- 2024-01-31 [Mandy Austin leaves Bank of Texas for another outfit looking to grow in DFW - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxOb3dBVEtTNDNHajJpWEJNUEZLU0ZCXy1DZGpqQzhwbTFHWk5OS044T2VRaHdKQ1ZnUlIwUTEySER4a09pSVg1Tmc1SWYyNHYzOFN1VlBJVm9hdU1kZzI2Q1NMckp2ZDNvSzJNUHRSVTJrR1h4eFRnUGg0NzlIWTBFT2dYdXFjRGUyNzlYQUR2VHBTclk?oc=5) · The Business Journals
- 2018-04-15 [Gayle Earls Obituary (1936 - 2018) - Frisco - Dallas News](https://news.google.com/rss/articles/CBMingFBVV95cUxQSzkwVXZLYkNzQV9QUEtDTmxIWnFZQWZLYWZrcTd3RWhuaGRpQ2JlMWVBMGdWZ2R3OGFhRkpJMkZlNjdkVUlpZEdNU1NnQ3RCY2NuTmxBRUg4N0VOVmRKZHE4VUY2aEpKY3d1OWUzb0tUejZUR2c2WERlcUJoYjNrY0ZGblZUTmVjRWJjTUY1QXlYVUdpMzI2eXIwLS10Zw?oc=5) · Dallas News
- 2025-07-22 [Randy Robinson, Hired at PlainsCapital Bank - Dallas Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxPclVHd3lPOWtxOVBtSFFQaUg3aERnT19yel9IekpIY2xrTHBXRWJoSTk2Wmlwem5jOTkzUlFzcW0wbGhzZndLS0pXVEFqcEkxOEQzVGpjVTFGMUo0MF9LaUtaeXdVOWVUUy1SY3BwcFRtVVUyTmhXMXFLZXBLdUlRNHBhWmNHVVc0UmRNei1TMA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58562 (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/2.json (key "58562", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide