BlastPoint's Banking Scorecard
Academy Bank, National Association
Community
Specialty: Commercial
MO
FDIC cert 19600
Kansas City, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Academy Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 49% in Community
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 22% in Community
- - Credit Risk Growth: Bottom 27% in Community
- - Liquidity Overhang: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+13.5% YoY
+5.6% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.4B
+5.5% YoY
-0.3% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2.8B
+15.9% YoY
+6.7% QoQ
|
+$1.6B |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.80%
-0.6% YoY
+6.1% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.43%
+4.4% YoY
+0.5% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
67.85%
-7.8% YoY
-1.7% QoQ
|
+5.22% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.90%
+20.2% YoY
+7.4% QoQ
|
+0.27% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
86.64%
-9.0% YoY
-6.5% QoQ
|
+3.58% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
14.57%
-20.2% YoY
-8.2% QoQ
|
-6.47% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.65%
+11.7% YoY
+1.4% QoQ
|
+0.16% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
16.95%
+4.3% YoY
+7.5% QoQ
|
+6.71% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
1.37%
-7.6% YoY
+26.1% QoQ
|
+0.63% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#182 of 371 · Top 49% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.37%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (3)
NIB Deposit Bleed
decline
#20 of 89 · Bottom 22% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
14.57%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Credit Risk Growth
risk
#172 of 642 · Bottom 27% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Overhang
risk
#108 of 268 · Bottom 40% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.95%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
86.64%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
94
94th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
92
92th pctile
Non-Interest Income / Assets
Current: 1.37% · Tier avg: 0.74%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.95% · Tier avg: 10.24%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.64% · Tier avg: 83.06%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
32
32th pctile
Efficiency Ratio
Current: 67.85% · Tier avg: 62.63%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.57% · Tier avg: 21.05%
Top Weaknesses
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.57% · Tier avg: 21.05%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
32
32th pctile
Efficiency Ratio
Current: 67.85% · Tier avg: 62.63%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.64% · Tier avg: 83.06%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.95% · Tier avg: 10.24%
92
92th pctile
Non-Interest Income / Assets
Current: 1.37% · Tier avg: 0.74%
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
94
94th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B