Academy Bank, National Association: how it compares with its peers
Against 15 MO banks with half to twice its assets, Academy Bank, National Association's strongest measure in Q2 2026 is return on assets (1.05% vs. a 1.30% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $8.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.30% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.53% | 3.83% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.77% | 56.14% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $8.2M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.65% | 96.10% | Context |
What it means for lending operations
Its efficiency ratio of 62.77% is above the 56.14% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- North American Savings Bank, F.S.B. Grandview, MO · $3.20B
- Oakstar Bank Springfield, MO · $3.29B
- Midwest BankCentre Lemay, MO · $3.07B
- Lead Bank Kansas City, MO · $2.76B
- Guaranty Bank Springfield, MO · $2.38B
- Omb Bank Springfield, MO · $2.36B
Questions about Academy Bank, National Association
How big is Academy Bank, National Association?
Academy Bank, National Association, established in 1966, is headquartered in Kansas City, MO. It reported $3.23B in total assets in its Q2 2026 FDIC call report and operates 80 offices.
What is Academy Bank, National Association's return on assets?
1.05% annualized in Q2 2026, against a 1.30% median for 15 MO banks with half to twice its assets, ahead of 27% of them.
What is Academy Bank, National Association's efficiency ratio?
62.77% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 56.14%, and lower is better.
Is Academy Bank, National Association growing its loans?
Net loans grew 5.5% over the year to Q2 2026, while deposits grew 9.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.