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
Unfavorable gap of $51.0M · efficiency ratio beats 41% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.93% | 1.26% | 1.54% | Beats 34% | 116 / 176 | |
| Return on Equity | 7.31% | 9.26% | 11.89% | 14.46% | Beats 13% | 153 / 176 | |
| Net Interest Margin | 3.33% | 3.25% | 3.59% | 3.93% | Beats 30% | 124 / 176 | |
| Efficiency Ratio | 63.14% | 52.79% | 59.55% | 67.66% | Beats 41% | 105 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.30% | 0.64% | 1.32% | Beats 31% | 123 / 176 | |
| Net Charge-Offs / Loans | 0.17% | 0.01% | 0.04% | 0.10% | Beats 13% | 154 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 17.02% | 11.15% | 12.72% | 14.15% | Beats 93% | 13 / 176 | |
| Total Risk-Based Capital Ratio | 18.27% | 11.81% | 13.63% | 15.33% | Beats 93% | 13 / 176 | |
| Equity / Assets | 14.58% | 9.16% | 10.35% | 11.80% | Beats 94% | 10 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 92.93% | 80.94% | 89.73% | 97.21% | 62nd pctl | 67 / 176 | |
| Loans / Assets | 77.14% | 69.25% | 75.12% | 80.82% | 58th pctl | 74 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |