Institution Statistics
| AccessBank Texas | | FDIC Certificate # | 58562 | | BankRate Report | View | | Year Established | 2007 | | Employees | 31 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $107.19 million | | Loans | $71.05 million | | Deposits | $94.46 million | | Equity Capital | $12.27 million | | Loan Loss Allowance | $1.29 million | | Unbacked Noncurrent Loans | $159,000 | | Real Estate Owned | $4.07 million |
Historic Data - December 2010 | | Assets | $108.87 million | | Equity Capital | $6.89 million | | Loan Loss Allowance | $2.27 million | | Unbacked Noncurrent Loans | $1.55 million | | Real Estate Owned | $3.53 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.03% | | Return on Assets | -0.08% | | Return on Equity | -0.78% | | Interest Income | $5.00 million |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Access 1st Capital Bank had $4.23 million in non-current loans and owned real-estate with $13.56 million in equity and loan loss allowances on hand to cover it. This gives Access 1st Capital Bank a Texas Ratio of 31.18% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Access 1st Capital Bank decreased significantly from 55.38% as of December 31, 2010 to 31.18% as of December 31, 2011, resulting in a positive change of 43.69%.This indicates that the balance sheet and financial strength for Access 1st Capital Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Access 1st Capital Bank has decreased its total deposits by -$7.44 million, resulting in -7.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Access 1st Capital Bank has shown is poor. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Access 1st Capital Bank has $107.19 million in assets with $13.56 million in equity, resulting in a capitalization level of 12.65%, which is excellent. |
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