TellerScore

Headquartered in Kansas City, Missouri, Academy Bank, National Association is a national bank with $3.2B in total assets and $2.7B in deposits as of Q2 2026. It operates 80 offices across 5 states. Its charter dates back to 1966.

Based on its Q2 2026 filing, Academy Bank, National Association scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 90th. Its strongest component is capital cushion (93/100; 14.35%), and its lowest is funding & liquidity (49/100; 92% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Tier 1 leverage ratio: 14.35%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.05%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 91.7% · 32.5% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 73).

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202476
Q4 202474
Q1 202570
Q2 202573
Q3 202572
Q4 202573
Q1 202672
Q2 202673
Tier 1 leverage ratio
5.00%10.40%15.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.80%
Q3 202415.50%
Q4 202414.39%
Q1 202514.29%
Q2 202514.34%
Q3 202514.24%
Q4 202514.22%
Q1 202614.10%
Q2 202614.35%
Noncurrent loans
0.73%0.94%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.88%
Q3 20240.86%
Q4 20240.74%
Q1 20251.15%
Q2 20250.73%
Q3 20250.83%
Q4 20250.89%
Q1 20261.15%
Q2 20261.05%
Return on assets
0.63%0.84%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.84%
Q4 20240.81%
Q1 20250.73%
Q2 20250.63%
Q3 20250.76%
Q4 20250.82%
Q1 20261.01%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$3.2B14.35%1.05%1.05%91.7%
Q1 202672$3.3B14.10%1.15%1.01%89.8%
Q4 202573$3.3B14.22%0.89%0.82%86.4%
Q3 202572$3.1B14.24%0.83%0.76%92.7%
Q2 202573$3.0B14.34%0.73%0.63%94.8%
Q1 202570$2.9B14.29%1.15%0.73%95.0%
Q4 202474$2.9B14.39%0.74%0.81%95.2%
Q3 202476$2.8B15.50%0.86%0.84%87.5%
Q2 202476$2.7B15.80%0.88%0.84%93.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.35%
91st
Total risk-based capital18.27%
87th
Problem loans1.05%
26th
Net charge-offs0.29%
14th
Return on assets1.05%
34th
Net interest margin3.53%
39th
Efficiency ratio62.8%
38th
Loans to deposits91.7%
35th
Uninsured deposits32.5%
45th
Loan-loss reserves1.38%
78th
Texas ratio5.2%
37th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
North American Savings Bank, F.S.B.Bank Grandview, MO76 out of 100, Strong$3.2B14.2%0.90%vs
Oakstar BankBank Springfield, MO69 out of 100, Moderate$3.3B9.8%0.48%vs
Midwest BankCentreBank Lemay, MO69 out of 100, Moderate$3.1B12.1%1.07%vs
Lead BankBank Kansas City, MO44 out of 100, Below average$2.8B7.4%3.26%vs
Guaranty BankBank Springfield, MO68 out of 100, Moderate$2.4B12.3%0.88%vs
Omb BankBank Springfield, MO62 out of 100, Moderate$2.4B9.2%0.83%vs

Deposit insurance

Is my money safe at Academy Bank, National Association?

Yes. Academy Bank, National Association is an FDIC-insured institution (FDIC certificate #19600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.5% of deposits ($870.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.27% (benchmark: 10%).

Check how much of your own balance is covered

80 locations

Branches

Academy Bank, National Association lists 80 offices in 52 cities across 5 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Academy Bank, National Association reported 534 home-loan applications under HMDA (LEI 549300LP0CV2MNC1GV68): 391 originated ($233,235,000 total), 35 denied, and 107 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Academy Bank, National Association
Former names
Air Academy National Bank
Type
National bank
FDIC certificate #
19600
RSSD ID
535753
Primary regulator
OCC
Holding company
Dickinson Financial Corp II
Established
June 15, 1966
Headquarters
1201 Walnut St, Kansas City, MO 64106
Employees
496

Quick answers

Academy Bank, National Association: common questions

Is Academy Bank, National Association FDIC insured?

Yes. Academy Bank, National Association is an FDIC-insured institution (FDIC certificate #19600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Academy Bank, National Association's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Academy Bank, National Association ever failed?

There is no failure record for FDIC certificate #19600 in the FDIC failed bank list.

How many branches does Academy Bank, National Association have?

80 offices as of the latest FDIC data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Kansas City

InstitutionScoreAssetsCapitalProblem loansCompare
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs