PackageTrendsPeer
Letter portraitLegal landscape

Access Bank

Omaha, NE · Cert 58727 · 3MV Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Access Bank

Omaha, NE · Cert 58727 · 3MV Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.1BAssets
$816.7MLoans
$905.3MDeposits
$114.4MEquity
Loan mix
83%RE $658.6M17%C&I $134.2M0%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $752.8M17%Noninterest $152.5MQ2 2025Q2 2026

NIM

5.25%Q2 ’245.43%Q2 ’255.37%Q2 ’26+13%+3%

Non-interest income vs. expense

2.40%Q2 ’242.60%Q2 ’252.43%Q2 ’26+14%-6%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 2.1% share · #8 of 77 inst. · $0.9B of $42.7B

2.5% Douglas
2.1% Sarpy

Executive Summary

  • Earnings: ROA of 1.19%, up 18 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.51% of loans (+45 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.65%, down 19 bps from a year ago.
  • Funding: loans stand at 90.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+9 bps YoY

Efficiency Ratio (YTD, annualized)

61.23%-492 bps YoY

Tier 1 Leverage Ratio

10.65%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.08%1.12%1.26%1.19%+18 bps
Return on Equity9.37%9.90%10.15%11.20%10.86%+149 bps
Net Interest Margin3.30%3.53%3.39%3.62%3.40%+9 bps
Efficiency Ratio66.15%64.44%62.57%60.85%61.23%-492 bps
Non-Interest Burden1.98%2.05%1.90%1.97%1.87%-11 bps
Growth
Asset Growth (YoY)-9.12%-1.07%0.13%3.72%21.86%+3,098 bps
Loan Growth (YoY)7.53%9.64%5.78%10.29%8.13%+60 bps
Deposit Growth (YoY)-13.39%-5.91%-4.65%-0.21%25.44%+3,883 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.43%0.50%0.51%+45 bps
Net Charge-Offs / Loans0.02%0.02%0.03%0.00%0.08%+6 bps
Allowance / Loans1.39%1.37%1.44%1.43%1.45%+6 bps
Allowance Coverage of NPLs25.4x15.4x3.4x2.9x2.9x-22.6x
Capital
Tier 1 Leverage Ratio10.85%11.55%10.84%11.27%10.65%-19 bps
Total Risk-Based Capital12.98%13.05%12.82%13.04%13.27%+29 bps
Equity / Assets11.53%11.38%11.40%11.13%10.37%-116 bps
Liquidity & Funding
Loans / Deposits104.66%101.84%102.43%101.03%90.21%-1,445 bps
Liquid Assets / Assets2.65%5.79%5.57%5.55%13.40%+1,074 bps
CRE / Total Capitaln/a451%448%473%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Access Bank

Omaha, NE · Cert 58727 · Peer group: banks $1B-$10B in assets (n=322-328) · 3MV Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.1BAssets
$816.7MLoans
$905.3MDeposits
$114.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 50% of banks $1B-$10B in assets (rank 161 of 322).
  • Widest gap: tier 1 capital ratio trails 70% of banks $1B-$10B in assets (rank 229 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.10%

Rank 202 of 328

Net Interest Margin

3.40%

Rank 180 of 328

Efficiency Ratio

61.81%

Rank 190 of 328

Equity / Assets

10.37%

Rank 163 of 328

Non-interest income vs. expense

$5.9M$25.5MINCOMEEXPENSE
Unfavorable gap of $19.6M · efficiency ratio beats 42% of banks $1B-$10B in assets
Bank 61.81%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.91%1.22%1.52%Beats 38%202 / 328
Return on Equity10.59%8.43%11.45%14.43%Beats 42%189 / 328
Net Interest Margin3.40%3.03%3.45%3.83%Beats 45%180 / 328
Efficiency Ratio61.81%51.61%59.56%67.53%Beats 42%190 / 328
Asset Quality
Nonperforming Loans / Loans0.51%0.24%0.51%1.03%Beats 50%161 / 322
Net Charge-Offs / Loans0.05%0.01%0.03%0.10%Beats 41%190 / 322
Capital
Tier 1 Capital Ratio12.02%11.75%13.15%15.47%Beats 30%229 / 328
Total Risk-Based Capital Ratio13.27%12.63%14.15%16.46%Beats 37%207 / 328
Equity / Assets10.37%9.15%10.33%12.01%Beats 50%163 / 328
Liquidity & Funding
Loans / Deposits90.21%76.63%87.92%95.36%57th pctl140 / 323
Loans / Assets74.05%65.18%74.15%79.98%50th pctl165 / 328
Brokered Deposits / Depositsn/aNot reported for this institution