BlastPoint's Banking Scorecard

Academy Bank, National Association

$1B-$10B Specialty: Commercial MO FDIC cert 19600

Kansas City, MO

80 branches across MO · CO · KS · AZ · AR

884 banks in the $1B-$10B peer group nationally 29 in MO

Academy Bank, National Association has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 48.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.1% in tier
- Liquidity Overhang: Bottom 42.5% in tier
- ROA 0.35% below tier average
- Net Interest Margin 0.44% below tier average
- Efficiency Ratio 2.27% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$3.3B +11.5% YoY -1.4% QoQ	+$459.6M	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$2.5B +7.5% YoY +2.3% QoQ	+$488.4M	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$2.7B +13.7% YoY -1.6% QoQ	+$387.9M	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.01% +38.7% YoY +23.7% QoQ	-0.35%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	3.37% +4.5% YoY -1.6% QoQ	-0.44%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	63.33% -13.5% YoY -6.2% QoQ	+2.27%	61.06% -4.6% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	1.17% +0.3% YoY +29.1% QoQ	+0.28%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	89.82% -5.5% YoY +3.9% QoQ	+5.62%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	16.80% -2.3% YoY +15.5% QoQ	-4.49%	21.29% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.88% -3.0% YoY +34.3% QoQ	+0.20%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	16.79% +3.2% YoY -1.3% QoQ	+1.63%	15.16% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.36% +2.7% YoY -73.8% QoQ	+0.11%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 10.3% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#109 of 221 • Top 48.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.36%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.01%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#115 of 420 • Bottom 27.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#75 of 174 • Bottom 42.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.79%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 89.82%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.26%

#92 of 884 Top 10.3% in $1B-$10B

134

Tier 1 Capital Ratio

capital

Value: 16.79%

Peer Median: 15.16%

#134 of 884 Top 15.0% in $1B-$10B

212

Total Loans

size

Value: $2.45B

Peer Median: $1.96B

#212 of 884 Top 23.9% in $1B-$10B

Top Weaknesses (2 metrics)

685

Delinquency Rate

credit_quality

Value: 1.17%

Peer Median: 0.89%

#685 of 880 Bottom 22.3% in $1B-$10B

669

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.67%

#669 of 884 Bottom 24.4% in $1B-$10B