Bank Comparison
Trunorth Bank vs Academy Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Trunorth Bank | Academy Bank, N.A. |
|---|---|---|
| CET1 Ratio | 15.99% | 16.79% |
| Tier 1 Capital Ratio | 15.99% | 16.79% |
| Total Capital Ratio | 16.58% | 18.04% |
| Tier 1 Leverage Ratio | 11.42% | 14.10% |
| Equity / Assets | 14.84% | 14.17% |
Profitability
| Metric | Trunorth Bank | Academy Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 1.01% |
| Return on Equity (ROE) | 8.56% | 7.23% |
| Net Interest Margin (NIM) | 4.39% | 3.30% |
| Yield on Earning Assets | 5.97% | 5.66% |
| Cost of Funds | 1.72% | 2.71% |
Asset quality
| Metric | Trunorth Bank | Academy Bank, N.A. |
|---|---|---|
| Texas Ratio | 3.17% | 14.19% |
| Non-Performing Loan Ratio | 0.47% | 2.72% |
| Non-Performing Asset Ratio | 0.35% | 2.06% |
| Net Charge-Off Ratio | 0.25% | 0.14% |
| ACL / Loans | 0.53% | 1.34% |
Balance sheet
| Metric | Trunorth Bank | Academy Bank, N.A. |
|---|---|---|
| Total Assets | $3,270M | $3,275M |
| Total Deposits | $2,652M | $2,731M |
| Total Loans | $2,441M | $2,486M |
| Total Equity | $485,360K | $464,197K |
| Net Income (quarter) | $10,297K | $8,354K |
Liquidity & funding
| Metric | Trunorth Bank | Academy Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 92.07% | 91.04% |
| Core Deposit Ratio | 88.36% | 87.25% |
| Uninsured Deposit Ratio | 27.95% | 30.99% |
Identity
| Metric | Trunorth Bank | Academy Bank, N.A. |
|---|---|---|
| Headquarters City | PEABODY | KANSAS CITY |
| Headquarters State | MA | MO |
| Asset Tier | Large | Large |
| Charter Class | 0 | 15592 |
| Regulator | FED | OCC |
| Domestic Branches | 30 | 80 |
| Employees (FTE) | 282 | 501 |
| Established | Jan. 1, 1888, midnight | June 15, 1966, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Trunorth Bank profile | View full Academy Bank, N.A. profile | Browse all bank comparisons