Side-by-side · Q2 2026 data
Rocky Mountain Bank & Trust vs Academy Bank, National Association
Metric by metric
| Measure | Rocky Mountain Bank & Trust | Academy Bank, National Association |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 82 | 93 (stronger) |
| Loan quality | 43 | 65 (stronger) |
| Earnings | 82 (stronger) | 62 |
| Funding & liquidity | 92 (stronger) | 49 |
| Problem-loan coverage | 88 | 90 (stronger) |
| Peer percentile | 57th | 70th |
| Total assets | $126.5M | $3.2B |
| Deposits / shares | $109.9M | $2.7B |
| Capital ratio | 13.23% | 14.35% (stronger) |
| Problem loans | 1.71% | 1.05% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.29% |
| Return on assets | 1.54% (stronger) | 1.05% |
| Loans ÷ deposits | 54.0% (stronger) | 91.7% |
| Uninsured deposits | 22.4% (stronger) | 32.5% |
| Offices | 2 | 80 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.2% |
Rocky Mountain Bank & Trust has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Rocky Mountain Bank & Trust leads on 5 and Academy Bank, National Association on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.