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Academy Bank, National Association
Kansas City, MO·FDIC Cert #19600·Charter: OCC·Est. 19660615.0·HC: DICKINSON FINANCIAL CORP II
Total Assets
$3.3B
Q4 2025
Return on Assets
0.80%
+0.05%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
67.85%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.80%+0.05
ROE
5.76%+0.34
Efficiency
67.85%-1.19
Equity/Assets
0.00%+0.00
NPL Ratio
0.90%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.64%-6.07
Charge-offs
0.49%+0.17
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.8 | 0.7 | 0.6 | 0.8 | 0.8 |
| ROE | 5.2 | 5.6 | 5.6 | 5.5 | 5.2 | 4.5 | 5.4 | 5.8 |
| Efficiency | 74.9 | 73.5 | 73.7 | 73.6 | 73.2 | 70.6 | 69.0 | 67.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 0.9 | 0.9 | 0.8 | 1.2 | 0.7 | 0.8 | 0.9 |
| Charge-offs | 0.3 | 0.2 | 0.2 | 0.1 | 0.2 | 0.4 | 0.3 | 0.5 |
| Loan/Deposit | 96.2 | 93.9 | 87.5 | 95.2 | 95.0 | 94.8 | 92.7 | 86.6 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.8B
Total Loans$2.4B
Total Equity$460.0M
Profitability
ROA0.80%
ROE5.76%
Efficiency Ratio67.85%
Net Income$24.6M
Risk & Asset Quality
NPL Ratio0.90%
Charge-off Rate0.49%
Loan/Deposit86.64%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans