Academy Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Academy Bank, N.A. is an FDIC-insured commercial bank headquartered in Kansas City, MO, established in 1966 (FDIC certificate 19600), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.23B, up 7.7% from Q2 2025, the 13th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 17.02% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19600
- Headquarters
- Kansas City, MO
- Established
- 1966
- Total assets, Q2 2026
- $3.23B
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 17.02%
- Domestic offices
- 80 FDIC institution directory, current count
- Routing number
- 107001481
- Latest call report
- Q2 2026, FFIEC 051 · Academy Bank, N.A. call report
- Holding company
- DICKINSON FINANCIAL CORPORATION
- Asset rank in state
- 13th of 191 in Missouri
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 1.05% and a Texas ratio of 5.04%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Academy Bank, N.A. is the 13th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $3.23B, loans rose 0.2% and deposits fell 1.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.7% of total loans, followed by commercial and industrial loans at 22.5%. Its 80 offices in the FDIC Summary of Deposits are in 53 cities across 5 states; its Kansas City 5 offices book 26% of its branch deposits. On its Q2 2026 call report, Academy Bank, N.A. meets every capital ratio test for well capitalized.
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
- Domestic offices
- 80 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Academy Bank, N.A.'s total assets moved between a low of $2.51B (Q3 2023) and a high of $3.32B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.23B total assets against $3.00B; $2.76B total liabilities against $2.58B.
$2.46B net loans and leases against $2.33B; $2.68B total deposits against $2.46B.
$382.9M securities against $327.1M; $260.4M cash and balances due against $213.3M.
$46.6M total interest income against $43.1M; $18.4M total interest expense against $18.7M.
$28.2M net interest income against $24.4M.
$12.1M total noninterest income against $11.8M; $25.2M total noninterest expense against $24.8M.
$3.4M provision for credit losses against $6.2M.
$8.9M net income against $3.9M.
1.08% return on assets against 0.53%; 3.56% net interest margin against 3.43%.
17.02% CET1 capital ratio against 16.12%; 14.35% tier 1 leverage ratio against 14.34%.
Inside the full Academy Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 392 of 4,196, for total assets; its furthest is 2,336 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.53% (Q2 2025) to 1.08% (Q2 2026) and its net interest margin ran from 3.13% (Q1 2025) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.02% | 1.08% | 1.05% | 5.04% | 3.56% |
| Q1 2026 | 16.79% | 1.01% | 1.15% | 5.72% | 3.30% |
| Q4 2025 | 17.01% | 1.00% | 0.89% | 4.30% | 3.45% |
| Q3 2025 | 15.77% | 1.02% | 0.83% | 4.24% | 3.52% |
| Q2 2025 | 16.12% | 0.53% | 0.73% | 4.07% | 3.43% |
| Q1 2025 | 16.27% | 0.72% | 1.15% | 6.19% | 3.13% |
| Q4 2024 | 16.26% | 0.72% | 0.74% | 4.07% | 3.15% |
| Q3 2024 | 18.26% | 0.85% | 0.86% | 3.94% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 80 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 249 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Academy Bank, N.A. headquartered?
It is headquartered in Kansas City, MO, United States.
When was Academy Bank, N.A. founded?
It was established in 1966, per the FDIC institution directory.
Is Academy Bank, N.A. FDIC-insured?
Yes. It 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.
What is Academy Bank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 5.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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