Academy Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Academy Bank, N.A. of Kansas City, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.08% | 1.46% | -0.38% | 34th below |
| ROAE | 7.58% | 12.72% | -5.14% | 19th bottom |
| Net Interest Margin | 3.56% | 3.85% | -0.29% | 39th below |
| Efficiency Ratio | 62.15% | 57.40% | +4.75% | 38th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.83% | 1.88% | -0.05% | 59th above |
| Yield on Earning Assets | 5.88% | 5.72% | +0.16% | 70th above |
| Cost of Funds | 2.66% | 2.02% | +0.64% | 16th bottom |
| Net Interest Spread | 2.64% | 3.18% | -0.54% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.24% | 1.00% | +1.24% | 9th bottom |
| NPA / Total Assets | 1.73% | 0.76% | +0.97% | 9th bottom |
| NCO / Avg Loans | 0.44% | 0.43% | +0.01% | 11th bottom |
| ACL / Total Loans | 1.38% | 1.31% | +0.07% | 78th top |
| ACL / NPLs (Coverage) | 61.38% | 543.97% | -482.59% | 13th bottom |
| Texas Ratio | 11.55% | 7.38% | +4.17% | 19th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 185.34% | 619.24% | -433.90% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.02% | 17.34% | -0.32% | 83rd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.02% | 17.37% | -0.35% | 83rd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.27% | 18.42% | -0.15% | 83rd top |
| Leverage Ratio | 14.35% | 11.43% | +2.92% | 91st top |
| Equity / Assets | 14.58% | 11.33% | +3.25% | 92nd top |
| TCE / Tangible Assets | 14.05% | 10.50% | +3.55% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.93% | 86.95% | +5.98% | 36th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.45% | 85.55% | +1.90% | 43rd below |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.49% | 33.12% | -0.63% | 46th below |
| Wholesale Funding Ratio | 0.93% | 5.71% | -4.78% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.74% | 9.68% | -1.94% | 67th above |
| Loan Growth (Y/Y) | 5.48% | 8.06% | -2.58% | 49th below |
| Deposit Growth (Y/Y) | 9.15% | 7.87% | +1.28% | 72nd above |
See Academy Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Academy Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Academy Bank, N.A. profile, how to read a UBPR, or how this data updates.