AccessBank Texas

320 W. Eagle Drive, Suite 100
Denton, TX 76201


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58562
Date Established 2007
Assets $0.33 billion
Loans $0.24 billion
Deposits $0.30 billion
Capital $0.03 billion

AccessBank Texas is an FDIC insured institution located in Denton, TX. It was founded in 2007 and has approximately $0.33 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of AccessBank Texas's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in AccessBank Texas’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Texas, AccessBank Texas has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.54
Credit Card Loans 0.21
Consumer Auto Loans 0.58
Small Business Loans 16.13
Construction and Development Loans 12.01
Commercial Real Estate 41.52
Commercial and Industrial Loans 20.79
Farm Loans 0.24

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.35% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.45% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.20% $100 - Learn MoreShow Less
Fixed IRA 0K
1.00% $1,000 - Learn MoreShow Less
MM 10K
0.15% $1 $24,999 Learn MoreShow Less
MM 25K
0.20% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $2,500 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AccessBank Texas

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.766% 3.750% 0.00 $500 $1,158 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to AccessBank Texas
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AccessBank Texas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Accessbank Texas Locations

Financial Details

AccessBank Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AccessBank Texas. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
AccessBank Texas U.S. Bank Average
1.44% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, AccessBank Texas had $120,000 in non-current loans and $405,000 in owned real estate. To cover these potential losses it had $33,948,000 in equity and $2,452,000 in loans loss reserves. That gives it a Texas Ratio of 1.44%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
AccessBank Texas U.S. Bank Average
5.69% 8.58

AccessBank Texas has a Return on Equity of 5.69% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

AccessBank Texas U.S. Bank Average
10.19% 12.11

AccessBank Texas has a Capitalization of 10.19% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

AccessBank Texas Balance Sheet Analysis

As of June 30, 2017, AccessBank Texas had assets of $333,168,000, loans of $238,286,000, and deposits of $298,228,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About AccessBank Texas

Branches and Savings

Is AccessBank Texas FDIC insured?

Yes. It is covered under FDIC Certificate #58562.

Why does AccessBank Texas pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are AccessBank Texas CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is AccessBank Texas a commercial bank?


Where are AccessBank Texas locations?

See branch locations nearby.

Is AccessBank Texas open on Saturdays?

Is AccessBank Texas open on Sundays?

What time does AccessBank Texas open?

What time does AccessBank Texas close?

Are AccessBank Texas ATMs Open 24/7?

Do AccessBank Texas ATMs accept cash deposits?

Can AccessBank Texas customers use other ATMs?

Do AccessBank Texas branches have notaries?

Will AccessBank Texas notarize my document?

What address for AccessBank Texas should I put for incoming ACH transfers?

Will the AccessBank Texas branch print checks?

Do AccessBank Texas checks expire?

Does AccessBank Texas require US citizenship to open account?

Can AccessBank Texas close my account?

Does AccessBank Texas Report to credit bureaus?

Does AccessBank Texas Use Equifax?

What is AccessBank Texas's ACH Routing Number?

What is AccessBank Texas's SWIFT code?


Does AccessBank Texas offer mortgages?

Compare mortgage rates here.

Does AccessBank Texas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does AccessBank Texas offer personal loans?

Compare personal loan rates here.

Does AccessBank Texas offer student loans?

Will AccessBank Texas cash a check?

Will AccessBank Texas redeem a savings bond?

Does AccessBank Texas cash savings bonds?

Will AccessBank Texas cash money orders?

Can AccessBank Texas issue a money order?

Does AccessBank Texas do currency exchange?

Background on The Bank

Who owns AccessBank Texas?

How long has AccessBank Texas been around?

Can AccessBank Texas transfer to other banks?

Does AccessBank Texas have quick pay?

Does AccessBank Texas accept rolled coins?

Will AccessBank Texas accept loose change?

Where is AccessBank Texas headquarters?

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