PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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