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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 $0.0BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $2.2B17%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.69%Q2 ’245.80%Q2 ’255.67%Q2 ’26+3%+4%

Non-interest income vs. expense

3.50%Q2 ’243.34%Q2 ’253.07%Q2 ’26-5%-9%

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 1.09%, up 56 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 1.05% of loans (+32 bps YoY), with net charge-offs at 0.44%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.09%+56 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+14 bps YoY

Efficiency Ratio (quarter, annualized)

62.24%-603 bps YoY

Tier 1 Leverage Ratio

14.35%+1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%1.01%1.00%1.01%1.09%+56 bps
Return on Equity3.76%7.28%7.24%7.23%7.58%+381 bps
Net Interest Margin3.31%3.39%3.33%3.20%3.45%+14 bps
Efficiency Ratio68.27%66.15%63.30%63.33%62.24%-603 bps
Non-Interest Burden1.76%1.71%1.58%1.50%1.60%-17 bps
Growth
Asset Growth (YoY)11.92%11.08%13.51%11.47%7.74%-417 bps
Loan Growth (YoY)15.34%20.10%5.18%7.48%5.48%-986 bps
Deposit Growth (YoY)14.12%13.39%15.91%13.71%9.15%-497 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.83%0.89%1.15%1.05%+32 bps
Net Charge-Offs / Loans0.64%0.16%0.98%0.13%0.44%-20 bps
Allowance / Loans1.38%1.38%1.29%1.34%1.38%0 bps
Allowance Coverage of NPLs1.9x1.7x1.4x1.2x1.3x-0.6x
Capital
Tier 1 Leverage Ratio14.34%14.24%14.22%14.10%14.35%+1 bps
Total Risk-Based Capital17.37%17.02%18.26%18.04%18.27%+90 bps
Equity / Assets14.06%13.68%13.87%14.17%14.58%+52 bps
Liquidity & Funding
Loans / Deposits96.17%94.00%87.54%91.04%92.93%-324 bps
Liquid Assets / Assets5.37%6.85%11.45%8.31%6.17%+81 bps
CRE / Total Capitaln/a332%317%318%n/an/a