Academy Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 12.22 percentage points in Q2 2026, from 49.15% to 61.38%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Academy Bank, N.A. is 141st of 192 on return on assets, 1.08% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Academy Bank, N.A. sits 0.20 points lower, at 1.08% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.02% |
| Tier 1 risk-based capital ratio | 17.02% |
| Total risk-based capital ratio | 18.27% |
| Tier 1 leverage ratio | 14.35% |
| Equity capital to assets | 14.58% |
| Tangible equity to tangible assets | 14.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.24% |
| Non-performing assets ratio | 1.73% |
| Net charge-off ratio | 0.44% |
| Texas ratio | 11.55% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 61.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 7.58% |
| Net interest margin | 3.56% |
| Efficiency ratio | 62.15% |
| Yield on earning assets | 5.88% |
| Cost of funds | 2.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.93% |
| Core deposits to total deposits | 87.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.01% |
| Securities to assets | 11.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.93% | 17.93% | 19.19% | 16.28% | 0.99% |
| Q4 2023 | 17.85% | 17.85% | 19.10% | 15.86% | 0.73% |
| Q1 2024 | 17.78% | 17.78% | 19.03% | 15.71% | 0.79% |
| Q2 2024 | 18.13% | 18.13% | 19.38% | 15.80% | 0.89% |
| Q3 2024 | 18.26% | 18.26% | 19.51% | 15.50% | 0.85% |
| Q4 2024 | 16.26% | 16.26% | 17.51% | 14.39% | 0.72% |
| Q1 2025 | 16.27% | 16.27% | 17.52% | 14.29% | 0.72% |
| Q2 2025 | 16.12% | 16.12% | 17.37% | 14.34% | 0.53% |
| Q3 2025 | 15.77% | 15.77% | 17.02% | 14.24% | 1.02% |
| Q4 2025 | 17.01% | 17.01% | 18.26% | 14.22% | 1.00% |
| Q1 2026 | 16.79% | 16.79% | 18.04% | 14.10% | 1.01% |
| Q2 2026 | 17.02% | 17.02% | 18.27% | 14.35% | 1.08% |
Academy Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Academy Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)