Academy Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.90 percentage points lower than in Q1 2026, at 228.04%. Within Missouri, Academy Bank, N.A. is 57th of 192 on loan-to-deposit ratio, 92.93% as of Q2 2026, above the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.49B |
| Net loans and leases | $2.46B |
| Loans held for sale | $10.3M |
| Loans to total assets | 77.14% |
| Loan-to-deposit ratio | 92.93% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.15% |
| Multifamily (5+ residential) | 8.02% |
| Commercial and industrial | 22.48% |
| Consumer | 1.01% |
| Credit cards | 0.07% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 228.04% |
| Construction concentration (Tier 1 capital + allowance) | 46.28% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.56% |
| Interest income on loans | $40.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.98B | $2.05B | 42.77% | 28.56% | 1.30% |
| Q4 2023 | $2.01B | $2.08B | 42.66% | 27.89% | 1.27% |
| Q1 2024 | $2.07B | $2.13B | 41.75% | 28.75% | 1.17% |
| Q2 2024 | $2.05B | $2.15B | 42.00% | 27.30% | 1.28% |
| Q3 2024 | $2.04B | $2.29B | 44.33% | 25.64% | 1.31% |
| Q4 2024 | $2.31B | $2.39B | 47.19% | 24.38% | 1.18% |
| Q1 2025 | $2.31B | $2.40B | 45.67% | 25.71% | 1.04% |
| Q2 2025 | $2.36B | $2.46B | 45.40% | 24.92% | 1.08% |
| Q3 2025 | $2.45B | $2.60B | 43.17% | 23.63% | 1.09% |
| Q4 2025 | $2.43B | $2.78B | 43.28% | 22.52% | 1.06% |
| Q1 2026 | $2.49B | $2.73B | 41.14% | 22.91% | 1.07% |
| Q2 2026 | $2.49B | $2.68B | 42.15% | 22.48% | 1.01% |
Academy Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Academy Bank, N.A., freeSource: Call Report Schedule RC-C, 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)