Academy Bank
Academy Bank reported total assets of $3.2 bn at Q2 2026, up 7.7% on a year earlier, the 394th largest of 497 banks in our US coverage. The CET1 capital ratio at Academy Bank was 17.02%, and the uninsured share of Academy Bank was 32.49%. Source: FDIC Call Reports.
Key takeaways
- Since , Academy Bank has taken over 3 institutions; the latest was Mountain View Bank of Commerce on (FDIC Call Reports).
- On efficiency ratio, Academy Bank climbed from 435th to 366th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Academy Bank has one of the highest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 14.35% at , against a median of 10.45% across 339 banks (FDIC Call Reports).
What sets Academy Bank apart
How large is Academy Bank?
The balance sheet of Academy Bank at : assets $3.2 bn, deposits $2.7 bn, net loans $2.5 bn (loans equal to 91.65% of deposits). Securities make up 11.9% of total assets at Academy Bank. Since , when Academy Bank held $1.0 bn, its assets grew 212.0%. In the year to , deposits at Academy Bank rose 9.1% while its total assets rose 7.7%. At , Academy Bank employed 496 full-time equivalent staff across 80 offices, about $6.5 mn of assets per employee and $33.5 mn of deposits per office.
How much funding at Academy Bank is uninsured?
At Academy Bank, uninsured deposits (above the FDIC limit) made up 32.49% of domestic deposits at (+3.56 pp on a year earlier); Academy Bank ranks 281st of 500 on this measure. In dollars, Academy Bank estimated $870.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.7 bn | +9.1% | 391st of 499 |
| Net loans and leases | $2.5 bn | +5.5% | 373rd of 500 |
| Loan-to-deposit ratio | 91.65% | -3.19 pp | 163rd of 500 |
| Tier 1 leverage ratio | 14.35% | +0.01 pp | 33rd of 500 |
| Total risk-based capital ratio | 18.27% | +0.90 pp | 64th of 448 |
| Net interest margin | 3.53% | +0.16 pp | 291st of 500 |
| Return on assets (ROA) | 1.05% | +0.42 pp | 365th of 500 |
| Efficiency ratio | 62.77% | -7.85 pp | 366th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $24.0 mn | Narrowed by $5.3 mn | |
| Noncurrent loans to total loans | 1.05% | +0.32 pp | 370th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.29% | -0.12 pp | 395th of 500 (1 = lowest) |
US rank of Academy Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Academy Bank: assets, deposits and loans
- Total assets $3.2bn
- Deposits $2.7bn
- Net loans $2.5bn
Capital and securities
The CET1 ratio of Academy Bank stood at 17.02% in , +0.90 pp year on year. Low and high at Academy Bank since : 14.85% () to 25.07% (). Equity capital of Academy Bank at : $470.6 mn, or 14.6% of total assets. Academy Bank also reported a total capital ratio of 18.27% for , and a tier 1 leverage ratio of 14.35%.
The available-for-sale portfolio of Academy Bank showed an unrealized loss of $24.0 mn at ; the loss narrowed by $5.3 mn over the year.
Academy Bank: capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 14%
Academy Bank: unrealized securities gains and losses
- Available for sale -$24mn
- Held to maturity $0
Profitability and loan quality
For the year to , Academy Bank earned a return on equity of 7.40%; return on assets: 1.05%. Net interest margin at Academy Bank: 3.53%, +0.16 pp in a year. Academy Bank net income: $17.2 mn, up 85.1% year on year. The efficiency ratio of Academy Bank was 62.77%: about 63 cents cost per revenue dollar, against 68 cents at the median peer.
At , noncurrent loans were 1.05% of total loans at Academy Bank; net charge-offs: 0.29% of average loans. Gross loans and leases at Academy Bank: $2.5 bn, up 5.5% in a year.
Academy Bank: profitability
- Return on equity 7.4%
- Net interest margin 3.5%
- Return on assets 1.1%
Peer group of Academy Bank
The peer group of Academy Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Academy Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Missouri. Against them, Academy Bank shows CET1 ratio 17.02% against a peer median of 14.27%, return on equity 7.40% against a peer median of 9.00% and uninsured deposit share 32.49% against a peer median of 43.20%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Western Trust Bank | State nonmember bank | CO | $3.2 bn | 11.37% | 8.59% | 40.05% | |
| Bank of Guam | State nonmember bank | GU | $3.2 bn | 14.01% | 8.71% | 95.89% | |
| STAR Financial Bank | State nonmember bank | IN | $3.2 bn | 14.27% | 11.15% | 46.80% | |
| Academy Bank | National bank | MO | $3.2 bn | 17.02% | 7.40% | 32.49% | |
| North American Savings Bank, F.S.B. | Federal savings bank | MO | $3.2 bn | 17.49% | 9.28% | 10.75% | |
| First Citizens Community Bank | State member bank | PA | $3.2 bn | not reported | 12.32% | 46.35% | |
| Exchange Bank | State nonmember bank | CA | $3.2 bn | 18.98% | 8.44% | 25.88% | |
. FDIC Call Reports.
Last eight quarters
Two years at Academy Bank, to : assets +14.0%, deposits +16.8%, equity +14.2%. Staff 522 to 496; offices 73 to 80.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.1 bn | $3.3 bn | $3.3 bn | $3.2 bn |
| Total deposits | $2.3 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.6 bn | $2.8 bn | $2.7 bn | $2.7 bn |
| Bank equity capital | $412.3 mn | $407.1 mn | $417.3 mn | $421.1 mn | $430.3 mn | $460.4 mn | $464.2 mn | $470.6 mn |
| CET1 ratio | 18.26% | 16.26% | 16.27% | 16.12% | 15.77% | 17.01% | 16.79% | 17.02% |
| Return on equity (ROE) | 5.61% | 5.49% | 5.19% | 4.48% | 5.42% | 5.88% | 7.23% | 7.40% |
| Uninsured share of domestic deposits | 29.09% | 28.24% | 28.01% | 28.93% | 30.09% | 31.44% | 30.99% | 32.49% |
| Full-time equivalent employees | 522 | 529 | 524 | 529 | 534 | 514 | 501 | 496 |
| Number of offices | 73 | 75 | 77 | 78 | 80 | 80 | 80 | 80 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Academy Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Merit Bank (FDIC certificate 4675).
- . Absorbed KCB Bank (FDIC certificate 9793).
- . Absorbed Mountain View Bank of Commerce (FDIC certificate 58772).
Large one-quarter moves at Academy Bank
- Total assets at Academy Bank changed by +29.4% in the quarter to 2019-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from KCB Bank.
Questions and identifiers
What were the total assets of Academy Bank?
Academy Bank reported $3.2 bn at in its Call Report. That makes Academy Bank the 394th largest of 497 banks in our US coverage.
Is Academy Bank the same as its holding company?
No. This page covers Academy Bank, FDIC certificate 19600; DICKINSON FINANCIAL CORP II (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Academy Bank profitable?
Academy Bank reported net income of $17.2 mn for the year to ; annualized return on equity: 7.40%. So yes: Academy Bank made a profit over these months.
When is data for Academy Bank next updated?
Figures from Academy Bank for are due after .
Where can I check the figures for Academy Bank?
In the FDIC BankFind Suite record for certificate 19600, and in the Call Reports of Academy Bank (RSSD ID 535753) at the FFIEC Central Data Repository.