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Academy Bank, N.A.

Kansas City, MO · Cert 19600 · Dickinson Financial Corp. II

National charter · OCC · 80 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

93

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Academy Bank, N.A.

Kansas City, MO · Cert 19600 · Dickinson Financial Corp. II

National charter · OCC · 1 affiliate bank · 80 branches (95 in holding)

Q2 2026

$3.2BAssets
$2.5BLoans
$2.7BDeposits
$470.6MEquity
Loan mix
76%RE $1.8B23%C&I $0.6B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $2.2B17%Noninterest $0.5BQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 1.4% share · #13 of 114 inst. · $1.4B of $99.1B

1.3% Jackson
1.1% Johnson
4.3% Clay
1.7% El Paso

Executive Summary

  • Earnings: ROA of 1.05%, up 42 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 1.05% of loans (+32 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 14.35%, up 1 bps from a year ago.
  • Funding: loans stand at 92.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.05%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+17 bps YoY

Efficiency Ratio (YTD, annualized)

62.77%-785 bps YoY

Tier 1 Leverage Ratio

14.35%+1 bps YoY

NIM

5.58%Q2 ’245.68%Q2 ’255.57%Q2 ’26+1%+5%

Non-interest income vs. expense

3.50%Q2 ’243.29%Q2 ’253.01%Q2 ’26-4%-14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.81%0.73%0.63%0.76%0.82%1.01%1.05%+42 bps
Return on Equity5.61%5.49%5.19%4.48%5.42%5.88%7.23%7.40%+292 bps
Net Interest Margin3.06%2.91%3.01%3.16%3.20%3.08%3.20%3.33%+17 bps
Efficiency Ratio73.70%73.62%73.22%70.62%69.04%67.51%63.33%62.77%-785 bps
Non-Interest Burden1.84%1.75%1.84%1.80%1.74%1.62%1.50%1.55%-25 bps
Growth
Asset Growth (YoY)12.97%12.36%11.00%11.92%11.08%13.51%11.47%7.74%-417 bps
Loan Growth (YoY)2.73%14.95%11.68%15.34%20.10%5.18%7.48%5.48%-986 bps
Deposit Growth (YoY)12.16%15.38%13.00%14.12%13.39%15.91%13.71%9.15%-497 bps
Asset Quality
Nonperforming Loans / Loans0.86%0.74%1.15%0.73%0.83%0.89%1.15%1.05%+32 bps
Net Charge-Offs / Loans0.19%0.13%0.16%0.40%0.31%0.48%0.13%0.29%-11 bps
Allowance / Loans1.38%1.31%1.32%1.38%1.38%1.29%1.34%1.38%0 bps
Allowance Coverage of NPLs1.6x1.8x1.1x1.9x1.7x1.4x1.2x1.3x-0.6x
Capital
Tier 1 Leverage Ratio15.50%14.39%14.29%14.34%14.24%14.22%14.10%14.35%+1 bps
Total Risk-Based Capital19.51%17.51%17.52%17.37%17.02%18.26%18.04%18.27%+90 bps
Equity / Assets14.56%13.92%14.20%14.06%13.68%13.87%14.17%14.58%+52 bps
Liquidity & Funding
Loans / Deposits88.76%96.47%96.31%96.17%94.00%87.54%91.04%92.93%-324 bps
Liquid Assets / Assets12.17%5.20%5.34%5.37%6.85%11.45%8.31%6.17%+81 bps
CRE / Total Capitaln/an/an/an/a332%317%318%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Academy Bank, N.A.

Kansas City, MO · Cert 19600 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Dickinson Financial Corp. II

National charter · OCC · 1 affiliate bank · 80 branches (95 in holding)

Q2 2026

$3.2BAssets
$2.5BLoans
$2.7BDeposits
$470.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 94% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
  • Widest gap: net charge-offs / loans trails 87% of banks $1B-$10B in assets operating regionally (rank 154 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.07%

Rank 116 of 176

Net Interest Margin

3.33%

Rank 124 of 176

Efficiency Ratio

63.14%

Rank 105 of 176

Equity / Assets

14.58%

Rank 10 of 176

Non-interest income vs. expense

$48.0M$99.1MINCOMEEXPENSE
Unfavorable gap of $51.0M · efficiency ratio beats 41% of banks $1B-$10B in assets operating regionally
Bank 63.14%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.07%0.93%1.26%1.54%Beats 34%116 / 176
Return on Equity7.31%9.26%11.89%14.46%Beats 13%153 / 176
Net Interest Margin3.33%3.25%3.59%3.93%Beats 30%124 / 176
Efficiency Ratio63.14%52.79%59.55%67.66%Beats 41%105 / 176
Asset Quality
Nonperforming Loans / Loans1.05%0.30%0.64%1.32%Beats 31%123 / 176
Net Charge-Offs / Loans0.17%0.01%0.04%0.10%Beats 13%154 / 176
Capital
Tier 1 Capital Ratio17.02%11.15%12.72%14.15%Beats 93%13 / 176
Total Risk-Based Capital Ratio18.27%11.81%13.63%15.33%Beats 93%13 / 176
Equity / Assets14.58%9.16%10.35%11.80%Beats 94%10 / 176
Liquidity & Funding
Loans / Deposits92.93%80.94%89.73%97.21%62nd pctl67 / 176
Loans / Assets77.14%69.25%75.12%80.82%58th pctl74 / 176
Brokered Deposits / Depositsn/aNot reported for this institution