TellerScore

Access Bank is a state-chartered bank headquartered in Omaha, Nebraska, in business for about 19 years. At the end of Q2 2026 it reported $1.1B in total assets and $905.3M in deposits, with 6 offices.

Access Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 108th. Problem-loan coverage contributes the most (93/100, 3.3%); funding & liquidity contributes the least (29/100, 89% loans-to-deposits, 53% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.65%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.51%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity29/100
Loans ÷ deposits and uninsured-deposit share: 88.9% · 52.8% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (67 → 65), mostly because the loan quality component weakened by 15 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202461
Q4 202464
Q1 202566
Q2 202567
Q3 202570
Q4 202564
Q1 202666
Q2 202665
Tier 1 leverage ratio
5.00%8.28%11.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.27%
Q3 20249.48%
Q4 20249.64%
Q1 202510.21%
Q2 202510.85%
Q3 202511.55%
Q4 202510.84%
Q1 202611.27%
Q2 202610.65%
Noncurrent loans
0.00%0.25%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.35%
Q4 20240.04%
Q1 20250.00%
Q2 20250.05%
Q3 20250.09%
Q4 20250.43%
Q1 20260.50%
Q2 20260.51%
Return on assets
0.93%1.10%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.96%
Q4 20241.02%
Q1 20250.93%
Q2 20251.01%
Q3 20251.08%
Q4 20251.12%
Q1 20261.26%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.1B10.65%0.51%1.19%88.9%
Q1 202666$1.0B11.27%0.50%1.26%99.6%
Q4 202564$953.5M10.84%0.43%1.12%101.0%
Q3 202570$951.8M11.55%0.09%1.08%100.4%
Q2 202567$905.0M10.85%0.05%1.01%103.2%
Q1 202566$966.3M10.21%0.00%0.93%90.1%
Q4 202464$952.2M9.64%0.04%1.02%91.0%
Q3 202461$962.1M9.48%0.35%0.96%86.1%
Q2 202468$995.8M10.27%0.01%0.94%83.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.65%
53rd
Total risk-based capital13.27%
46th
Problem loans0.51%
50th
Net charge-offs0.08%
35th
Return on assets1.19%
44th
Net interest margin3.70%
50th
Efficiency ratio61.2%
43rd
Loans to deposits88.9%
45th
Uninsured deposits52.8%
7th
Loan-loss reserves1.45%
83rd
Texas ratio3.3%
53rd

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank NebraskaBank Lincoln, NE71 out of 100, Strong$1.1B9.0%0.24%vs
Core BankBank Omaha, NE64 out of 100, Moderate$1.1B9.8%0.11%vs
Nebraskaland BankBank North Platte, NE60 out of 100, Moderate$1.1B9.1%0.29%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
Cornhusker BankBank Lincoln, NE74 out of 100, Strong$1.0B10.1%0.02%vs
FirsTier BankBank Kimball, NE38 out of 100, Low$1.0B11.4%4.51%vs

Deposit insurance

Is my money safe at Access Bank?

Yes. Access Bank is an FDIC-insured institution (FDIC certificate #58727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.8% of deposits ($478.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.27% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Access Bank lists 5 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Access Bank reported 650 home-loan applications under HMDA (LEI 5493009PLGT79KQ6HO15): 566 originated ($169,420,000 total), 13 denied, and 66 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Access Bank
Type
State-chartered bank
FDIC certificate #
58727
RSSD ID
3614837
Primary regulator
FDIC
Holding company
3mv Bcorp Inc
Established
December 10, 2007
Headquarters
8712 W Dodge Rd, Omaha, NE 68114
Employees
114

Quick answers

Access Bank: common questions

Is Access Bank FDIC insured?

Yes. Access Bank is an FDIC-insured institution (FDIC certificate #58727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Access Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Access Bank ever failed?

There is no failure record for FDIC certificate #58727 in the FDIC failed bank list.

How many branches does Access Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Omaha

InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
North Western Employees Credit UnionCredit union Council Bluffs, IA94 out of 100, Very strong$10.4M21.4%0.00%vs
American Interstate BankBank Elkhorn, NE93 out of 100, Very strong$132.0M20.1%0.00%vs
Neighborhood Community Federal Credit UnionCredit union Omaha, NE92 out of 100, Very strong$31.0M14.2%0.17%vs
Omaha Firefighters Credit UnionCredit union Omaha, NE92 out of 100, Very strong$76.0M17.5%0.04%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs