Academy Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.4% to $151.4M. Academy Bank, N.A. ranks 24th of 98 Missouri banks on CET1 ratio, in the upper half at 17.02% (Q2 2026). Academy Bank, N.A. reported 17.02% on CET1 ratio for Q2 2026, 3.54 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.02% |
| Tier 1 risk-based capital ratio | 17.02% |
| Total risk-based capital ratio | 18.27% |
| Tier 1 leverage ratio | 14.35% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $469.5M |
| Tier 1 capital | $469.5M |
| Total risk-based capital | $504.0M |
| Total equity capital | $470.6M |
| Risk-weighted assets | $2.76B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.58% |
| Tangible equity to tangible assets | 14.05% |
| Equity capital to average assets | 14.30% |
| Internal capital growth rate | 5.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.4M |
| Common stock surplus | $325.0M |
| Retained earnings | $151.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.93% | 17.93% | 19.19% | 16.28% | $2.28B |
| Q4 2023 | 17.85% | 17.85% | 19.10% | 15.86% | $2.30B |
| Q1 2024 | 17.78% | 17.78% | 19.03% | 15.71% | $2.33B |
| Q2 2024 | 18.13% | 18.13% | 19.38% | 15.80% | $2.30B |
| Q3 2024 | 18.26% | 18.26% | 19.51% | 15.50% | $2.31B |
| Q4 2024 | 16.26% | 16.26% | 17.51% | 14.39% | $2.56B |
| Q1 2025 | 16.27% | 16.27% | 17.52% | 14.29% | $2.59B |
| Q2 2025 | 16.12% | 16.12% | 17.37% | 14.34% | $2.63B |
| Q3 2025 | 15.77% | 15.77% | 17.02% | 14.24% | $2.72B |
| Q4 2025 | 17.01% | 17.01% | 18.26% | 14.22% | $2.69B |
| Q1 2026 | 16.79% | 16.79% | 18.04% | 14.10% | $2.76B |
| Q2 2026 | 17.02% | 17.02% | 18.27% | 14.35% | $2.76B |
Academy Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Academy Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Academy Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19600) · FFIEC NIC profile (RSSD 535753)