Academy Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 20.9% lower than in Q1 2026, at $260.4M. Academy Bank, N.A. ranks 57th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 92.93% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Academy Bank, N.A. sits 4.73 points higher, at 92.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $260.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $643.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.93% |
| Net loans and leases to deposits | 91.65% |
| Loans and leases to core deposits | 106.27% |
| Core deposits to total deposits | 87.45% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 96.91% | 86.03% | $6.3M | $30.0M |
| Q4 2023 | 96.83% | 86.80% | $6.3M | $70.0M |
| Q1 2024 | 97.46% | 87.66% | $2.3M | $70.0M |
| Q2 2024 | 95.16% | 85.25% | $0 | $70.0M |
| Q3 2024 | 88.76% | 86.27% | $429K | $70.0M |
| Q4 2024 | 96.47% | 84.94% | $6.3M | $62.0M |
| Q1 2025 | 96.31% | 85.75% | $3.8M | $60.0M |
| Q2 2025 | 96.17% | 85.55% | $7.9M | $60.0M |
| Q3 2025 | 94.00% | 84.77% | $147K | $60.0M |
| Q4 2025 | 87.54% | 85.20% | $0 | $30.0M |
| Q1 2026 | 91.04% | 86.15% | $0 | $30.0M |
| Q2 2026 | 92.93% | 87.45% | $0 | $30.0M |
Academy Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Academy Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)