| Metric | Access Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.9% | +5.5% | +16.4 pts |
| Deposit growth (YoY) | +25.4% | +5.1% | +20.4 pts |
| Loan growth (YoY) | +8.1% | +5.9% | +2.1 pts |
| ROA | 1.19% | 1.26% | -0.1 pts |
| ROE | 10.9% | 12.2% | -1.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.10B | $905.3M | $804.9M | $114.4M | $6.1M | 1.19% | 3.70% | 0.38% |
| Q1 2026 | $1.00B | $805.5M | $802.2M | $111.6M | $3.1M | 1.26% | 3.78% | 0.41% |
| Q4 2025 | $953.5M | $758.8M | $766.1M | $108.7M | $10.6M | 1.12% | 3.71% | 0.35% |
| Q3 2025 | $951.8M | $758.2M | $761.6M | $108.3M | $7.6M | 1.08% | 3.63% | 0.07% |
| Q2 2025 | $905.0M | $721.7M | $744.8M | $104.4M | $4.7M | 1.01% | 3.52% | 0.05% |
| Q1 2025 | $966.3M | $807.2M | $727.7M | $101.2M | $2.2M | 0.93% | 3.43% | 0.00% |
| Q4 2024 | $952.2M | $795.8M | $724.5M | $98.0M | $9.9M | 1.02% | 3.31% | 0.03% |
| Q3 2024 | $962.1M | $805.9M | $694.0M | $96.8M | $7.0M | 0.96% | 3.21% | 0.26% |
Loan mix (Q2 2026): real estate $660.1M · commercial $133.4M · consumer $1.9M · securities $100.8M
| Ratio | Access Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.26% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.2% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 59.0% | 57th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Access Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Access Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Access Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Access Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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