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Academy Bank, National Association

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

Kansas City, MO

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
  • Deposits +9.1% year over year ($2.7B on the books).
  • Delinquency rate 1.06%.
  • Return on assets 1.05%.
  • Efficiency ratio 62.77% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.65% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO
View $1B-$10B leaderboard (MO) →

Academy Bank, National Association has 1 strength but faces 6 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 47.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 21.6% in tier
  • - Credit Risk Growth: Bottom 39.5% in tier
  • - Liquidity Overhang: Bottom 41.3% in tier
  • - ROA 0.34% below tier average
  • - Net Interest Margin 0.34% below tier average
  • - Efficiency Ratio 3.04% above tier average
Get updates when Academy Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $3.2B
+7.7% YoY -1.4% QoQ
+$434.9M $2.8B
-0.6% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $2.5B
+5.5% YoY +0.1% QoQ
+$492.7M $2.0B
-0.3% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $2.7B
+9.1% YoY -1.9% QoQ
+$360.8M $2.3B
-0.5% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
74%
Return on Assets ? 1.05%
+66.9% YoY +3.7% QoQ
-0.34% 1.39%
+17.0% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 3.53%
+4.9% YoY +4.6% QoQ
-0.34% 3.87%
+6.2% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 62.77%
-11.1% YoY -0.9% QoQ
+3.04% 59.73%
-12.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 1.06%
+43.6% YoY -9.1% QoQ
+0.20% 0.87%
+11.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 91.65%
-3.4% YoY +2.0% QoQ
+6.62% 85.04%
-0.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 17.20%
+0.1% YoY +2.4% QoQ
-4.07% 21.27%
-1.5% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.81%
+36.6% YoY -7.7% QoQ
+0.14% 0.67%
+11.7% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 17.02%
+5.6% YoY +1.4% QoQ
+2.18% 14.84%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Top 14.8% in tier
Non-Interest Income / Assets ? 0.74%
+0.6% YoY +104.6% QoQ
+0.22% 0.53%
+2.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 9.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 17.2%
0.0pp YoY
+0.4pp QoQ
 -4.2pp 21.4% 20.9% 22.2% 35%
Brokered Deposits n/a n/a 9.5% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 22.8%
-2.5pp YoY
-0.4pp QoQ
 +8.8pp 14.0% 12.3% 12.5% 85%
CRE 60.4%
+2.9pp YoY
+0.3pp QoQ
 +10.3pp 50.0% 36.8% 41.4% 76%
1-4 Family 14.9%
-0.5pp YoY
+0.1pp QoQ
 -11.5pp 26.4% 31.9% 31.3% 30%
Consumer 1.0%
-0.1pp YoY
-0.1pp QoQ
 -3.7pp 4.7% 4.1% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 17.0%
+0.9pp YoY
+0.2pp QoQ
 +1.4pp 15.6% 18.5% 19.7% 83%
Leverage Ratio 14.3%
0.0pp YoY
+0.3pp QoQ
 +3.0pp 11.3% 11.6% 12.6% 91%
Total Capital Ratio 18.3%
+0.9pp YoY
+0.2pp QoQ
 +1.6pp 16.7% 19.6% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 496
-33 (-6.2%) YoY
-5 (-1.0%) QoQ
 +182 313 162 482 83%
Assets per Employee ($) $6.5M
+14.9% YoY
-0.4% QoQ
 -$4.0M $10.5M $8.0M $8.8M 18%
Branch Count 80
+2 (+2.6%) YoY
0 QoQ
 +60 20 10 18 98%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.3% 0.4% 19%
Nonaccrual 1.1%
+0.3pp YoY
-0.1pp QoQ
 +0.2pp 0.8% 0.8% 1.0% 76%
Allowance Coverage 1.31x
-30.3% YoY
+13.5% QoQ
 -17.40x 18.71x 10.47x 20.23x 34%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
+0.2pp QoQ
 0.0pp 0.3% 0.3% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 7.4%
+2.9pp YoY
+0.2pp QoQ
 -5.2pp 12.6% 14.3% 11.6% 17%
Cost of Funds (YTD) 2.4%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.9% 1.8% 1.7% 82%
Net Income ($, YTD) $17.2M
+85.1% YoY
— QoQ
 -$2.0M $19.2M $11.3M $40.4M 65%

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
#106 of 222 • Top 47.3% 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: 0.74%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.05%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Liquidity Strain

risk
#79 of 361 • Bottom 21.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.65%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Credit Risk Growth

risk
#160 of 402 • Bottom 39.5% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#72 of 172 • Bottom 41.3% 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: 17.02%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.65%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

89
Non-Interest Income / Assets
revenue_mix
Value: 0.74%
Peer Median: 0.53%
#89 of 885 Top 9.9% in $1B-$10B
132
Tier 1 Capital Ratio
capital
Value: 17.02%
Peer Median: 14.84%
#132 of 885 Top 14.8% in $1B-$10B
217
Total Loans
size
Value: $2.46B
Peer Median: $1.96B
#217 of 885 Top 24.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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