Academy Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.26 percentage points to 3.56%. Academy Bank, N.A. ranks 151st of 192 Missouri banks on net interest margin, in the lower half at 3.56% (Q2 2026). Academy Bank, N.A. reported 3.56% on net interest margin for Q2 2026, 0.15 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | 6.56% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.66% |
| Cost of interest-bearing deposits | 3.22% |
| Cost of interest-bearing liabilities | 3.24% |
| Cost of borrowings | 5.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $40.8M |
| Total interest expense | $18.4M |
| Interest expense on deposits | $18.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.58% | 2.58% | 3.35% | 6.19% | 1.72% |
| Q4 2023 | 5.72% | 2.86% | 3.26% | 6.33% | 1.75% |
| Q1 2024 | 5.75% | 2.95% | 3.20% | 6.35% | 1.86% |
| Q2 2024 | 5.95% | 3.03% | 3.34% | 6.55% | 1.96% |
| Q3 2024 | 5.97% | 3.20% | 3.21% | 6.64% | 2.08% |
| Q4 2024 | 5.91% | 3.18% | 3.15% | 6.60% | 2.45% |
| Q1 2025 | 5.81% | 3.08% | 3.13% | 6.38% | 2.67% |
| Q2 2025 | 6.06% | 3.01% | 3.43% | 6.65% | 2.71% |
| Q3 2025 | 6.09% | 2.94% | 3.52% | 6.64% | 2.84% |
| Q4 2025 | 5.94% | 2.85% | 3.45% | 6.63% | 2.90% |
| Q1 2026 | 5.66% | 2.73% | 3.30% | 6.35% | 3.00% |
| Q2 2026 | 5.88% | 2.66% | 3.56% | 6.56% | 3.15% |
Academy Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Academy Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)