Academy Bank, National Association
Kansas City, Missouri, Jackson County
$3.2B in total assets, the 411th largest of 4,309 US banks and 13th of 195 headquartered in Missouri.
- FDIC certificate
- 19600
- Established
- 1966
- Owned by
- Dickinson Financial Corp Ii
- Primary regulator
- OCC
- Website
- www.academybank.com
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.2B | 79% | $1.8B | |
| Loans | $2.5B | 79% | $1.2B | |
| Deposits | $2.7B | 79% | $1.4B | |
| Return on assets | 1.03% | 17% | 1.32% | |
| Net interest margin | 3.53% | 24% | 3.87% | |
| Efficiency ratio | 62.8% | 66% | 56.1% | |
| Equity to assets | 14.58% | 93% | 10.96% | |
| Loans to deposits | 93% | 45% | 94% |
Growth
Total assets grew 7.7% a year over the last 5 years and 12.0% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2024 | Mountain View Bank of Commerce Westminster, CO | $179M |
| Oct 2019 | KCB Bank Kearney, MO | $235M |
| Apr 2017 | Merit Bank Overland Park, KS | $87M |
| Jun 2015 | Southern Commerce Bank, National Association Tampa, FL, an affiliate under the same holding company | $71M |
| Jun 2015 | SunBank, National Association Phoenix, AZ, an affiliate under the same holding company | $35M |
Where they operate
80 branches in 28 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jackson County, MO | $729M | 1.3% | 10 of 43 |
| Johnson County, KS | $286M | 1.1% | 22 of 60 |
| Clay County, MO | $251M | 4.3% | 12 of 26 |
| El Paso County, CO | $174M | 1.7% | 14 of 40 |
| Arapahoe County, CO | $161M | 0.8% | 21 of 36 |
| Adams County, CO | $138M | 2.2% | 12 of 22 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 7 branches since 2016 (87 to 80, −8.0%). 21 opened, 9 acquired, 37 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 87 | |||
| 2016 | Opened Fairway and Kansas CityClosed 11 in 2 states | 2 | 11 | −9 | 78 |
| 2017 | Acquired Merit BankOpened Scottsdale | 4 | 0 | +4 | 82 |
| 2018 | Opened LenexaClosed 9 in 3 states | 1 | 9 | −8 | 74 |
| 2019 | Acquired KCB BankOpened 4 in 3 states, closed 3 in 2 states | 9 | 3 | +6 | 80 |
| 2020 | Opened Denver and Lenexa | 2 | 0 | +2 | 82 |
| 2022 | Opened Overland ParkClosed 13 in 3 states | 1 | 13 | −12 | 70 |
| 2023 | Opened Gilbert and Prairie VillageClosed Phoenix | 2 | 1 | +1 | 71 |
| 2024 | Acquired Mountain View Bank of CommerceOpened 3 in 2 states | 4 | 0 | +4 | 75 |
| 2025 | Opened 5 in 4 states | 5 | 0 | +5 | 80 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 30% | |
| Business (C&I) | 22% | 17% | |
| 1-4 family residential | 15% | 20% | |
| Construction and land | 9% | 11% | |
| Multifamily | 8% | 7% | |
| Consumer | 1% | 4% | |
| Farmland | 0% | 6% | |
| Agricultural | 0% | 2% | |
| Other | 2% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 45% | 33% | |
| Other interest-bearing | 38% | 48% | |
| Noninterest-bearing | 17% | 19% |
Brokered deposits are 0.0% of deposits (peers 8.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.98% | 0.63% |
| Net charge-offs, annualized | 0.29% | 0.03% |
| Reserves to loans | 1.38% | 1.26% |
| Leverage ratio | 14.35% | 10.76% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Jackson County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/academy