Access National Bank

1800 Robert Fulton Drive, Suite 310
Reston, VA 20191
(703) 871-2100
www.accessnationalbank.com

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Access National Bank is headquartered in Reston and is the 27^th largest bank in the state of Virginia. It is also the 815^st largest bank in the nation. It was established in 1999 and as of December of 2011, it had grown to 286 employees at 5 locations. Access National Bank has a 5-star health rating.

Access National Bank Routing Number: 056009039

Top Long-Term CD Rates at Access National Bank in VA - Local Only - 9/24/2010

Access National Bank is offering several competitive rates on its long-term CDs and IRA CDs. It's one of the few institutions still offering over 3% on a 5-year CD term, and it's one of the very few i ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Access National Bank Checking Account Rates

Apy	Min	Max	Product
0.30%	$2m	-	Business NOW Checking
0.30%	$10k	-	Shareholder NOW Checking
0.15%	$75k	-	Personal NOW Checking
0.15%	$10k	-	Employer Access

Access National Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	$10k	-	Business Savings
0.15%	$10k	-	Personal Savings

Access National Bank Money Market Rates

Apy	Min	Max	Product
0.45%	$100k	-	Professional Business MMA
0.40%	$50k	-	Professional Personal MMA
0.30%	$1m	-	Business Money Market
0.20%	$25k	-	Personal Money Market

Access National Bank CD Rates

Apy	Min	Max	Product
1.95%	$10k	-	7 Year CD
1.95%	$10k	-	Business 7 Year CD
1.90%	$10k	-	6 Year CD
1.90%	$10k	-	Business 6 Year CD
1.75%	$10k	-	5 Year CD
1.75%	$10k	-	Business 5 Year CD
1.65%	$10k	-	4 Year CD
1.65%	$10k	-	Business 4 Year CD
0.90%	$10k	-	3 Year CD
0.90%	$10k	-	Business 3 Year CD
0.80%	$10k	-	2 1/2 Year CD
0.80%	$10k	-	Business 2 1/2 Year CD
0.75%	$10k	-	2 Year CD
0.75%	$10k	-	Business 2 Year CD
0.70%	$10k	-	18 Month CD
0.70%	$10k	-	Business 18 Month CD
0.65%	$10k	-	14 Month CD
0.65%	$10k	-	Business 14 Month CD
0.60%	$10k	-	1 Year CD
0.60%	$10k	-	Business 1 Year CD
0.50%	$10k	-	9 Month CD
0.50%	$10k	-	Business 9 Month CD
0.40%	$10k	-	6 Month CD
0.40%	$10k	-	Business 6 Month CD
0.10%	$10k	-	30 Day CD
0.10%	$10k	-	Business 30 Day CD

Access National Bank IRA Rates

Apy	Min	Max	Product
1.95%	$10k	-	7 Year IRA
1.95%	$10k	-	7 Year Roth IRA
1.95%	$10k	-	7 Year CESA
1.95%	$10k	-	7 Year SEP IRA
1.90%	$10k	-	6 Year IRA
1.90%	$10k	-	6 Year Roth IRA
1.90%	$10k	-	6 Year CESA
1.90%	$10k	-	6 Year SEP IRA
1.75%	$10k	-	5 Year IRA
1.75%	$10k	-	5 Year Roth IRA
1.75%	$10k	-	5 Year CESA
1.75%	$10k	-	5 Year SEP IRA
1.65%	$10k	-	4 Year IRA
1.65%	$10k	-	4 Year Roth IRA
1.65%	$10k	-	4 Year CESA
1.65%	$10k	-	4 Year SEP IRA
0.90%	$10k	-	3 Year IRA
0.90%	$10k	-	3 Year Roth IRA
0.90%	$10k	-	3 Year CESA
0.90%	$10k	-	3 Year SEP IRA
0.80%	$10k	-	2 1/2 Year IRA
0.80%	$10k	-	2 1/2 Year Roth IRA
0.80%	$10k	-	2 1/2 Year CESA
0.80%	$10k	-	2 1/2 Year SEP IRA
0.75%	$10k	-	2 Year IRA
0.75%	$10k	-	2 Year Roth IRA
0.75%	$10k	-	2 Year CESA
0.75%	$10k	-	2 Year SEP IRA
0.70%	$10k	-	18 Month IRA
0.70%	$10k	-	18 Month Roth IRA
0.70%	$10k	-	18 Month CESA
0.70%	$10k	-	18 Month SEP IRA
0.65%	$10k	-	14 Month IRA
0.65%	$10k	-	14 Month Roth IRA
0.65%	$10k	-	14 Month CESA
0.65%	$10k	-	14 Month SEP IRA
0.60%	$10k	-	1 Year IRA
0.60%	$10k	-	1 Year Roth IRA
0.60%	$10k	-	1 Year CESA
0.60%	$10k	-	1 Year SEP IRA
0.50%	$10k	-	9 Month IRA
0.50%	$10k	-	9 Month Roth IRA
0.50%	$10k	-	9 Month CESA
0.50%	$10k	-	9 Month SEP IRA
0.40%	$10k	-	6 Month IRA
0.40%	$10k	-	6 Month Roth IRA
0.40%	$10k	-	6 Month CESA
0.40%	$10k	-	6 Month SEP IRA
0.10%	$10k	-	30 Day IRA
0.10%	$10k	-	30 Day Roth IRA
0.10%	$10k	-	30 Day CESA
0.10%	$10k	-	30 Day SEP IRA

Rates updated: 5/17/2012

Data for Q4 2011

Institution Statistics

Access National Bank
FDIC Certificate #	35189
BankRate Report	View
Year Established	1999
Employees	286
Primary Regulator	OCC
Assets and Liabilities
Assets	$808.65 million
Loans	$652.79 million
Deposits	$648.46 million
Equity Capital	$83.79 million
Loan Loss Allowance	$11.74 million
Unbacked Noncurrent Loans	$6.54 million
Historic Data - December 2010
Assets	$830.47 million
Equity Capital	$74.82 million
Loan Loss Allowance	$10.53 million
Unbacked Noncurrent Loans	$8.00 million
Real Estate Owned	$1.86 million
Profit Margin - Quarterly
Net Interest Margin	3.89%
Return on Assets	1.63%
Return on Equity	15.62%
Interest Income	$35.17 million

Institution Health

Overall Score:

5 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 National Bank had $6.54 million in non-current loans and owned real-estate with $95.52 million in equity and loan loss allowances on hand to cover it. This gives Access National Bank a Texas Ratio of 6.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Access National Bank decreased significantly from 12.41% as of December 31, 2010 to 6.85% as of December 31, 2011, resulting in a positive change of 44.82%.This indicates that the balance sheet and financial strength for Access National Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Access National Bank has increased its total deposits by $20.6 million, resulting in 3.28% 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 National Bank has shown is above average.
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 National Bank has $808.64 million in assets with $95.52 million in equity, resulting in a capitalization level of 11.81%, which is above average.