BlastPoint's Banking Scorecard

Access Bank

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

Designations: ✓ Community bank

Omaha, NE

6 branches across NE

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

Access Bank has 2 strengths but faces 1 concern

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

+ Efficiency Ratio 0.21% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- ROA 0.10% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.0B +3.7% YoY +5.1% QoQ	-$1.8B	$2.8B -0.1% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Bottom 0.1% in tier
Total Loans ?	$802.2M +10.2% YoY +4.7% QoQ	-$1.2B	$2.0B +0.6% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$805.5M -0.2% YoY +6.2% QoQ	-$1.5B	$2.3B -0.3% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 2.4% in tier
Return on Assets ?	1.26% +35.7% YoY +13.0% QoQ	-0.10%	1.37% +19.6% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	3.78% +10.4% YoY +2.1% QoQ	-0.03%	3.82% +6.9% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	60.85% -8.8% YoY -2.7% QoQ	-0.21%	61.06% -4.6% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.51% +17.1% QoQ	-0.38%	0.89% +14.1% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	53%
Loan-to-Deposit Ratio ?	99.59% +10.5% YoY -1.4% QoQ	+15.38%	84.20% +0.3% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ?	18.93% -6.3% YoY -18.4% QoQ	-2.36%	21.29% -2.5% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	0.41% +16.7% QoQ	-0.27%	0.67% +15.6% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	11.79% +1.4% YoY +1.9% QoQ	-3.37%	15.16% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.14% +0.2% YoY -77.3% QoQ	-0.12%	0.26% +1.6% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	50%

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

884

Total Assets

size

Value: $1.00B

Peer Median: $2.82B

#884 of 884 Bottom 0.1% in $1B-$10B

864

Total Deposits

size

Value: $805.53M

Peer Median: $2.34B

#864 of 884 Bottom 2.4% in $1B-$10B

758

Loan-to-Deposit Ratio

liquidity

Value: 99.59%

Peer Median: 84.20%

#758 of 884 Bottom 14.4% in $1B-$10B

751

Total Loans

size

Value: $802.21M

Peer Median: $1.96B

#751 of 884 Bottom 15.2% in $1B-$10B