Academy Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Academy Bank, N.A. carries far more capital than most banks of its size. Its balance sheet stood at $3.2 billion at June 30, 2026, up 7.7% from a year earlier; it is based in Kansas City, Missouri. It funds 14.35% of its assets with Tier 1 capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it pays an average of 2.66% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $8.9 million, 124% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.98% of loans from 0.72% a year earlier. Profitability lags: it returns 7.6% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Academy Bank, N.A. reported a CET1 capital ratio of 17.02%, a return on assets of 1.08%, a nonperforming-loan ratio of 2.24% and a Texas ratio of 5.04%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1201 Walnut St, Kansas City, MO 64106
- County
- Jackson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 15, 1966
- Offices
- 80 domestic
- Employees (FTE)
- 496
- Domestic deposits
- $2.68B
- Allowance for credit losses
- $34.3M
- Net charge-offs (YTD)
- $3.6M
- Average total assets
- $3.29B
- Average total loans
- $2.49B
- Average interest-bearing deposits
- $2.28B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- June 15, 1966
- FDIC Cert
- 19600
- Fed RSSD
- 535753
- Website
- www.academybank.com →
- Parent Holding Company
- DICKINSON FINANCIAL CORPORATION (RSSD 1399484)
- Ultimate Parent
- DICKINSON FINANCIAL CORPORATION II (RSSD 2107707)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Academy Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Academy Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Academy Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.02% | 1.08% | 2.24% | 5.04% | 3.56% |
| Q1 2026 | 16.79% | 1.01% | 2.72% | 5.72% | 3.30% |
| Q4 2025 | 17.01% | 1.00% | 2.64% | 4.30% | 3.45% |
| Q3 2025 | 15.77% | 1.02% | 3.03% | 4.24% | 3.52% |
| Q2 2025 | 16.12% | 0.53% | 1.62% | 4.07% | 3.43% |
| Q1 2025 | 16.27% | 0.72% | 1.74% | 6.19% | 3.13% |
| Q4 2024 | 16.26% | 0.72% | 1.25% | 4.07% | 3.15% |
| Q3 2024 | 18.26% | 0.85% | 1.66% | 3.94% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 80 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Academy Bank, National Association | Kansas City , MO | 64106 | $627.3M |
| Denver Tech Center Branch #156 | Greenwood Village , CO | 80111 | $127.7M |
| Kearney Main Branch 181 | Kearney , MO | 64060 | $119.7M |
| Rogers Ar Branch | Rogers , AR | 72758 | $100.5M |
| Mountain View Branch | Westminster , CO | 80234 | $94.0M |
| Briargate Office | Colorado Springs , CO | 80920 | $57.1M |
| Liberty Main Branch # 182 | Liberty , MO | 64068 | $56.7M |
| Gladstone Branch # 185 | Gladstone , MO | 64118 | $53.3M |
| Town Center Branch 53 | Denver , CO | 80231 | $51.0M |
| Overland Park College Blvd Branch | Overland Park , KS | 66210 | $49.8M |
| Scottsdale Branch 667 | Scottsdale , AZ | 85251 | $46.2M |
| Overland Park 135th St Branch 175 | Overland Park , KS | 66223 | $45.7M |
| Blue Springs Branch 752 | Blue Springs , MO | 64014 | $37.6M |
| Fairway Branch 751 | Fairway , KS | 66205 | $34.4M |
| Olathe Blackbob Branch 170 | Olathe , KS | 66062 | $32.9M |
| Palmer Park Branch | Colorado Springs , CO | 80915 | $31.5M |
| Saint Joseph Walmart Branch # 62 | Saint Joseph , MO | 64506 | $29.4M |
| Richmond Wal-Mart Branch | Richmond , MO | 64085 | $29.4M |
| Pueblo West Branch | Pueblo , CO | 81007 | $28.9M |
| Bonner Springs Main Branch # 183 | Bonner Springs , KS | 66012 | $28.1M |
| Fenton Wal-Mart Branch # 87 | Fenton , MO | 63026 | $28.0M |
| Lenexa Branch | Lenexa , KS | 66215 | $27.3M |
| Littleton Branch | Littleton , CO | 80127 | $27.1M |
| Springfield Campbell Wal-Mart Branch # 57 | Springfield , MO | 65807 | $27.0M |
| Raymore Walmart Branch # 61 | Raymore , MO | 64083 | $25.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 16, 2024 | Structure Change | Acquired Mountain View Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 19, 2019 | Structure Change | Acquired KCB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 2017 | Structure Change | Acquired Merit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 28, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 20, 2015 | Structure Change | Acquired Southern Commerce Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Academy Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- May 11, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Academy Bank, National Association
- Period: Most recent institution action May 11, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in MO, rank 32 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 533 applications, 391 loans originated, $233.2M originated, across 37 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $4.0M approved, $367K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Academy Bank, N.A.
What are Academy Bank, N.A.'s total assets?
As of the Q2 2026 filing, Academy Bank, N.A. reported total assets of $3.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Academy Bank, N.A. headquartered?
Academy Bank, N.A. is headquartered in Kansas City, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Academy Bank, N.A. founded?
Academy Bank, N.A. was established in 1966, per the FDIC institution directory.
Is Academy Bank, N.A. FDIC-insured?
Yes. Academy Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #19600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Academy Bank, N.A.?
Academy Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Academy Bank, N.A.'s CET1 capital ratio?
Academy Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 17.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Academy Bank, N.A. operate?
Academy Bank, N.A. operates 80 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Academy Bank, N.A.'s Texas Ratio?
Academy Bank, N.A.'s Texas Ratio is 5.04% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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