This institution is no longer active

Operations ceased on July 1, 2022. CRA examination history below reflects the period it was active.

ACCESSBANK TEXAS

DENTON, TX · Supervised by FDIC

Est. 2007FDIC #58,562RSSD: FDIC-58562

Part ofACCESS BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: April 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.18%

Is this bank safe?

ACCESSBANK TEXAS holds a Satisfactory CRA rating (2019), shows financial metrics that merit closer review (ROA -0.18%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

320 W. Eagle Drive, Suite 100, DENTON, TX

County

Denton County

Established

October 22, 2007

Total Assets

$549M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2019

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2022Call Report / FDIC

Total Assets

$549M

Total Deposits

$495M

Net Loans

$389M

Net Income

$-518K

ROA

-0.18%

Below avg for Small banks. Peer avg: 0.44%

ROE

-1.90%

Risk-Based Capital

13.62%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-0.18%Peer avg: 0.44%▼ Below avg

Risk-Based Capital13.62%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate4.17%Peer avg: 6.90%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	24	95.83%	4.17%
2021	86	94.19%	1.16%
2020	107	82.24%	1.87%
2019	131	82.44%	5.34%
2018	81	74.07%	13.58%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Apr 2019	Satisfactory	Small Bank
Mar 2013	Satisfactory	Small Bank
May 2010	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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