Financial Strength and Stability Our commitment to financial strength, stability and client trust has been at our core over the past 17 years. Through prudent financial management, a sound investment strategy and an unwavering focus on community banking, we continue to provide our clients with a secure and reliable banking experience. Positioned for Success At ACCESSbank, we take a fundamental approach to banking – one built on sound investments, strong liquidity management and a commitment to protecting our clients’ deposits. We maintain a well-balanced investment portfolio with a mix of short and long-term investments, allowing us to absorb market volatility while meeting client liquidity needs. Our loan portfolio remains low risk, reflecting the strength of our credit risk management. Additionally, our capital levels and loan loss reserves exceed regulatory requirements and outperform peer banks, providing an extra layer of protection against economic downturns or financial stress. At ACCESSbank, we take a fundamental approach to banking – one built on sound investments, strong liquidity management and a commitment to protecting our clients’ deposits.
Strong Financial Indicators $100.487 million total stockholders’ equity (Holding Company) 1.40% allowance for credit loss to total loans, compared to peer group of 1.20% 0.09% net charge offs to total loans $10.55 million retirement of holding company debt No overnight borrowings 0.96% brokered deposits to deposits, compared to 4.4% of peer group $64.6 million available- for-sale securities, 9.34%
of total assets; limited exposure and less than peer group
Key Financial Metrics That Demonstrate Our Strength
Regulatory Minimum
Regulatory Expectation
ACCESSbank Performance (December 2024)
Metric
Texas Ratio (Measures risk and credit health)
0.03%
N/A
<5% is excellent
9.64%
Tier One Leverage Ratio
4.00%
5.00%
12.73%
Total Capital Ratio
8.00%
10.00%
6
SOLID GROUND, BOLD VISION: 2024 ANNUAL REPORT
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