BlastPoint's Banking Scorecard

Access Bank

$1B-$10B Specialty: Commercial NE FDIC cert 58727

Designations: ✓ Community bank

Omaha, NE

6 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
Deposits +25.4% year over year ($905.3M on the books).
Delinquency rate 0.51%.
Return on assets 1.19%.
Efficiency ratio 61.23% vs a 59.73% peer average.
Loan-to-deposit ratio 88.91% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE

View $1B-$10B leaderboard (NE) →

Access Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 28.3% in tier
- ROA 0.20% below tier average
- Net Interest Margin 0.17% below tier average
- Efficiency Ratio 1.51% above tier average

Get updates when Access Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.1B +21.9% YoY +10.0% QoQ	-$1.7B	$2.8B -0.6% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	Bottom 10.1% in tier
Total Loans ?	$804.9M +8.1% YoY +0.3% QoQ	-$1.2B	$2.0B -0.3% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	15%
Total Deposits ?	$905.3M +25.4% YoY +12.4% QoQ	-$1.4B	$2.3B -0.5% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	Bottom 8.4% in tier
Return on Assets ?	1.19% +17.9% YoY -5.8% QoQ	-0.20%	1.39% +17.0% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.70% +5.1% YoY -2.3% QoQ	-0.17%	3.87% +6.2% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	61.23% -7.4% YoY +0.6% QoQ	+1.51%	59.73% -12.6% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	43%
Delinquency Rate ?	0.51% +830.6% YoY +1.7% QoQ	-0.35%	0.87% +11.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	88.91% -13.9% YoY -10.7% QoQ	+3.87%	85.04% -0.1% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	16.84% -28.5% YoY -11.0% QoQ	-4.43%	21.27% -1.5% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	0.38% +725.2% YoY -7.3% QoQ	-0.30%	0.67% +11.7% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	12.02% +2.5% YoY +2.0% QoQ	-2.82%	14.84% -0.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.27% -17.0% YoY +91.3% QoQ	-0.26%	0.53% +2.5% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Noninterest-Bearing	16.8% -6.7pp YoY -2.1pp QoQ	-4.5pp	21.4%	17.6%	22.2%	34%
Brokered Deposits	2.8% -0.3pp QoQ	-6.7pp	9.5%	8.9%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	16.6% -0.8pp YoY -0.2pp QoQ	+2.6pp	14.0%	12.3%	12.5%	72%
CRE	63.0% +1.3pp YoY -0.6pp QoQ	+13.0pp	50.0%	32.3%	41.4%	80%
1-4 Family	18.8% -0.1pp YoY +0.5pp QoQ	-7.6pp	26.4%	16.9%	31.3%	39%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	3.1%	5.0%	20%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	12.0% +0.3pp YoY +0.2pp QoQ	-3.6pp	15.6%	16.1%	19.7%	24%
Leverage Ratio	10.7% -0.2pp YoY -0.6pp QoQ	-0.7pp	11.3%	12.1%	12.6%	53%
Total Capital Ratio	13.3% +0.3pp YoY +0.2pp QoQ	-3.4pp	16.7%	17.3%	20.8%	27%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	114 -1 (-0.9%) YoY -1 (-0.9%) QoQ	-200	313	98	482	12%
Assets per Employee ($)	$9.7M +22.9% YoY +11.0% QoQ	-$807K	$10.5M	$8.5M	$8.8M	62%
Branch Count	6 0 YoY 0 QoQ	-14	20	7	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	54%
Nonaccrual	0.5% 0.0pp QoQ	-0.3pp	0.8%	0.8%	1.0%	47%
Allowance Coverage	2.85x -88.8% YoY -0.3% QoQ	-15.86x	18.71x	31.69x	20.23x	61%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.1%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	10.9% +1.5pp YoY -0.3pp QoQ	-1.7pp	12.6%	12.3%	11.6%	40%
Cost of Funds (YTD)	2.2% -0.1pp YoY +0.1pp QoQ	+0.3pp	1.9%	1.9%	1.7%	72%
Net Income ($, YTD)	$6.1M +27.7% YoY — QoQ	-$13.2M	$19.2M	$6.1M	$40.4M	17%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#14 of 46 • Bottom 28.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.84%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

812

Total Deposits

size

Value: $905.32M

Peer Median: $2.32B

#812 of 885 Bottom 8.4% in $1B-$10B

797

Total Assets

size

Value: $1.10B

Peer Median: $2.79B

#797 of 885 Bottom 10.1% in $1B-$10B

753

Total Loans

size

Value: $804.88M

Peer Median: $1.96B

#753 of 885 Bottom 15.0% in $1B-$10B