# ACCESS BANK
OMAHA, NE · FDIC certificate 58727 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.10B | |
| Deposits | $905.3M | |
| Loans and leases | $816.7M | |
| Total equity | $114.4M | |
| Loans / deposits | 88.91% (p55 of band) | 87.10% |
| Liquid assets / assets | 22.09% (p54 of band) | |
| Uninsured deposits / deposits | 52.81% (p93 of band) | 30.76% |
| Brokered deposits | 2.27% | |
| Wholesale funding | 9.20% (p61 of band) | |
| FHLB advances / assets | 6.80% | |
| Tier 1 leverage | 10.65% (p53 of band) | 10.50% |
| Unrealized securities loss / equity | -6.72% (p54 of band) | -7.75% |
| AOCI / equity | -0.40% (p42 of band) | |
| ROA (annualized) | 1.19% (p44 of band) | 1.26% |
| Net interest margin | 3.70% (p50 of band) | 3.70% |
| Efficiency ratio | 61.23% (p57 of band) | |
| Noncurrent loans | 0.51% (p50 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 285.40% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 62.48% (p65 of band) | |
| Auto loans | $386,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 25.4% | |
| Employees | 114 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | construction >100% equity | capital falling |
| 2013-09 | 0 |  | construction >100% equity |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | wholesale funding >15% |  |
| 2016-09 | 1 | capital falling | wholesale funding >15% |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2017-06 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | loans exceed deposits, capital falling |  |
| 2019-03 | 0 |  | loans exceed deposits, capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits >50% |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 | run vulnerability | capital falling |
| 2020-06 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2020-09 | 1 | uninsured deposits >50% |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | charge-offs p90 |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | run vulnerability, deposits shrinking |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 1 |  | run vulnerability, deposits shrinking, uninsured deposits leaving |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | run vulnerability | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 5 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2025-09 | 2 |  | uninsured deposits >50%, run vulnerability, assets shrinking |
| 2025-12 | 3 | uninsured deposits >50%, run vulnerability | deposits shrinking |
| 2026-03 | 0 |  | loans exceed deposits, uninsured deposits >50%, run vulnerability |
| 2026-06 | 1 | uninsured deposits >50% |  |

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

- 2025-09-16 [Access Bank Completes Major Core Banking Modernization with Oracle - Oracle](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMTZrWnNWQlJEZXpkTTFmT3FmUHZCVjZ3V0d1b2NXLU8tYWZCNW1EbndRYkR3UFQ4M2dEcnI2UVJJZ19GNHJmQ05mbS1RTHpEZl9HSy16clZUVGxGQmI1d3NPZjljczJUX1JlZmYzNHlucmg1UkxuZTEzeF9DVHFWOGgzay1qWHJxT0xGak1ZOXZLb3NhbXhudE5ETkRibjlOeEpWVndtV2Q4eVdkbG14Y1FzMFB5allHTWVV?oc=5) · Oracle
- 2026-08-19 [Access Bank’s New Head Of Marketing Visits Daily Guide Network - Modern Ghana](https://news.google.com/rss/articles/CBMimAFBVV95cUxPV3o4REdtWkFkQWM5UUZYNER0R1lGeDdaMGhvaEdZT29menpTeDNSYjFmNUNlMTNlVDd6UkUyTGNrUWdqc195ZU9PV1FkcW05TDUtV2llSG41MEllVng0YXFYYXAzSDNWWlAxWkN6cl9qYmtnbS15aG9PRVBEay15ODJ3X1dkRi1kQVc0V1c3RFVGVmNoSklSM9IBlwFBVV95cUxNeDY0WWNxdm5NM0VleDVEMk9sekI3WXdxVVppX3A0cDYtOU0wY0wzTzRqcWNHZWgwOTd1UXQtbG5Vdi1qZk9LclZrRExpNTBnUkJ3NkVGUGx5dG05dVhyV1pwT1Z2WjZqVHM5RlVCcmRfVE9ScENLczVnWE40VF9OM1o5LTcyM1pKeC1NclJyQjV1bHhfR19n?oc=5) · Modern Ghana
- 2025-12-07 [Access Bank Completes Acquisition of Standard Chartered’s Cameroon Operations - Business in Cameroon](https://news.google.com/rss/articles/CBMiywFBVV95cUxQWkhmNGQ4SnE0X2hwUkw4M2h4ZWVFRWxaR3BKQ2hyQVgxaDAtLVpJZTJUUVFBZEpaamtDLTUxUFFDckhxSUxpa043dVlkRFBYTG9Ram92R2xyaFlDaHdXbk9XYnNiUWdVX1FDdlRVdHZKazlIOXpSajB1cWg2dzVnMlZGcWd5a005T0VIY3h1T21LMzhQZW5CWnNnaE82QnY1YmFJdDZZVkpGM1ZYQWZkM0pXMGRsSlpzdkFqQmJ1R2JVV3llWDZiekhNTQ?oc=5) · Business in Cameroon
- 2026-05-06 [Access Holdings to cut stakes in foreign subsidiaries after CBN’s rule - TheCable](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVGV5ZWlrYzdGZTFZU0NJcWlhZkJGYXJ0OWR0SGIwTWduTEtmR3UzYTlhNDJvVVpCLWNhYUxweG9wclhQMFd2Ui1ZM2JRX3RiMTlqZ1R6SnJmWVpWSWNZWVFyd3N6b3JFOVNSUlFfVDZoLVg0emlrakc5UDhHZGtWbXRIWHlmcG1qZlF1WVRXSTh4RUtrYkZYTFdR?oc=5) · TheCable
- 2026-02-27 [Access Holdings Plc appoints new Chief Financial Officer - Premium Times Nigeria](https://news.google.com/rss/articles/CBMivwFBVV95cUxOVWdGVlozcTV3R0M4d2lHRGE2emlGRS1QaXZWeGVjT2ZfSDJ1X0pXNkFKN1UyTzVJajM4RWtoNTlUeGJObFlmNE5zbnJKalU0VlN2M29ZcHVqR0hycU5oU0k3RGMtRFpQZmRxYmpueVkxQ3JCSEI0VzdweGQxc2tRVzN0ZmM1YWNWUkhQT1U1ZGtYUXM3Z0JBeEwxX1FCMjE0UGZSOE56cnI4WThuQUJ5VDhfTnFFY1hjM3VXOTFwTQ?oc=5) · Premium Times Nigeria
- 2026-06-25 [Bank Introduces New Vehicle Financing Initiative With 10% Deposit | - Business Post Nigeria](https://news.google.com/rss/articles/CBMingFBVV95cUxNRG1hRllDSXRSQVU4cDZNMEUzanowRlo0QUtvYkxGRXo1NnNodVJEYV9RTFV5Qkx5TEk5TXM2cFo5MEtMaFZ0V2pQdVM3WEVNWk51aF8wVjFoSWsxNVVaWXd3c2ItUHA4U2ppRWY4eVpnSHRjbUlkdndHemxOWjV0SVpBV2FVTUFiVXVRVjgwcGx4cVBEZzYtMnBFNDMxZw?oc=5) · Business Post Nigeria
- 2025-09-26 [What to know about Access Bank Ghana’s first female boss in 16 years - Businessfront](https://news.google.com/rss/articles/CBMifkFVX3lxTFBOVkNEaXphdnhSWjFiZ3UyTk5NbnhDVXFJX2JtUlFZeV9KRUdReFpLYnRJZFhpV3Q5aWZlNlEwWkpzTG9jQjZBdGE2NC1IU0RFS21GWWRrckFBV3VFb1hoLVFhTDMyYlhIdTM2NUh0ZUpOSVAzYTE5Tk5SSzRUdw?oc=5) · Businessfront
- 2026-05-05 [Access Bank new branch set to widen opportunities for Kicukiro businesses| The New Times - newtimes.co.rw](https://news.google.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?oc=5) · newtimes.co.rw

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58727 (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/39.json (key "58727", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide