Academy Bank National Assn (FDIC #19600): Bank Stress & Real-Estate Credit Exposure
Academy Bank National Assn (FDIC Cert #19600): bank stress 53/100, moderate, STABLE over 7 days; parent DICKINSON FINANCIAL CORP II.
Academy Bank National Assn (#19600) lends in 28 counties across 5 states; Academy Bank National Assn (#19600) reaches 787 ZIP codes: Missouri 13 counties, 268 ZIPs; Colorado 8 counties, 220 ZIPs; Arizona 4 counties, 229 ZIPs; Kansas 2 counties, 48 ZIPs; Arkansas 1 county, 22 ZIPs.
Academy Bank National Assn (#19600) largest markets: Maricopa County, AZ (840 branches, 140 ZIPs) (#19600), Jackson County, MO (348 branches, 58 ZIPs) (#19600), Pima County, AZ (56 branches, 56 ZIPs) (#19600), El Paso County, CO (329 branches, 47 ZIPs) (#19600), St. Louis County, MO (141 branches, 47 ZIPs) (#19600), Weld County, CO (86 branches, 43 ZIPs) (#19600).
Academy Bank National Assn (#19600) reports $3.23 billion in total assets; Academy Bank National Assn (#19600) equity $470.6 million (14.6% of Academy Bank National Assn (#19600) assets); Academy Bank National Assn (#19600) domestic deposits $2.68 billion; Academy Bank National Assn (#19600) net income $17.2 million; Academy Bank National Assn (#19600) return on assets 1.05%; Academy Bank National Assn (#19600) return on equity 7.40%; Academy Bank National Assn (#19600) net interest income $54.4 million; Academy Bank National Assn (#19600) call report June 30, 2026.
Academy Bank National Assn (#19600) noncurrent real-estate loans: none reported; Academy Bank National Assn (#19600) net charge-offs on real estate 1.00%; Academy Bank National Assn (#19600) residential charge-offs 0.98%.
Academy Bank National Assn (#19600) net interest margin 3.53% against an eight-quarter Academy Bank National Assn (#19600) average of 3.36% (Academy Bank National Assn (#19600) compression -0.16 points); Academy Bank National Assn (#19600) real-estate loans 0.1% of equity; Academy Bank National Assn (#19600) non-residential real estate 97.5% of equity; Academy Bank National Assn (#19600) rate-exposure score 40/100, Academy Bank National Assn (#19600) fixed-rate trap 40/100; Academy Bank National Assn (#19600) risk type credit driven; Academy Bank National Assn (#19600) rate regime rates elevated, Academy Bank National Assn (#19600) snapshot October 19, 2026.
Academy Bank National Assn (#19600) stress score moved from 53.9 on June 22, 2026 to 53.4 on October 19, 2026; Academy Bank National Assn (#19600) ranged 53.4 to 53.9 over 116 snapshots.
Academy Bank National Assn (#19600) alerts: 26 counties; top Academy Bank National Assn (#19600) alert scores: Ozark County, MO 26 (low); Branson County, MO 19 (low); Columbia County, MO 19 (low); Denver County, MO 19 (low); Fountain County, MO 19 (low).