Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

ACADEMY BANK NATIONAL ASSN

FDIC #19600 · MO · period 20260630

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Total assets1,034,735-10.14% YoY

Total deposits741,785-13.31% YoY

Net loans and leases621,847-18.70% YoY

Return on assets0.74%-20.59% YoY

Return on equity4.15%-25.76% YoY

Net interest margin3.20%-8.33% YoY

Peer position

Return on assets34thin line · n=902

Return on equity18thopportunity · n=894

Net interest margin39thin line · n=902

Equity to assets91ststrength · n=894

Noncurrent loans26thopportunity · n=887

Liquid assets46thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits35thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,034,735	741,785	621,847	0.74	4.15	3.20
2016-06-30	1,035,119	737,806	648,421	0.74	4.17	3.20
2016-09-30	1,044,908	744,245	621,372	0.62	3.51	3.20
2016-12-31	1,055,909	766,098	687,014	0.65	3.66	3.21
2017-03-31	1,151,482	855,723	764,907	0.93	5.59	3.49
2017-06-30	1,241,832	909,720	868,610	1.14	6.91	3.59
2017-09-30	1,274,084	955,280	866,651	1.20	7.33	3.61
2017-12-31	1,273,834	955,828	883,866	0.97	5.94	3.63
2018-03-31	1,306,266	985,343	929,612	1.38	8.59	3.64
2018-06-30	1,299,900	981,600	942,507	1.56	9.65	3.72
2018-09-30	1,337,594	1,013,231	1,005,437	1.55	9.56	3.79
2018-12-31	1,462,159	1,150,774	1,079,611	1.40	8.76	3.78
2019-03-31	1,594,587	1,277,647	1,157,145	1.18	8.03	3.40
2019-06-30	1,590,993	1,283,088	1,258,765	1.28	8.65	3.46
2019-09-30	1,619,130	1,312,104	1,326,267	1.19	8.06	3.46
2019-12-31	2,095,381	1,753,890	1,558,825	0.96	6.72	3.41
2020-03-31	2,163,530	1,823,759	1,600,064	0.24	1.85	3.07
2020-06-30	2,321,392	1,992,915	1,716,339	0.28	2.27	2.99
2020-09-30	2,341,128	1,989,918	1,707,785	0.37	2.94	2.95
2020-12-31	2,291,991	1,873,362	1,619,933	0.45	3.45	3.03
2021-03-31	2,327,496	1,915,501	1,640,966	1.41	9.05	3.35
2021-06-30	2,232,696	1,794,060	1,620,253	1.55	9.76	3.38
2021-09-30	2,263,080	1,828,703	1,608,789	1.67	10.34	3.53
2021-12-31	2,305,640	1,832,895	1,632,146	1.60	9.82	3.53
2022-03-31	2,312,773	1,848,043	1,695,710	0.95	5.76	3.51
2022-06-30	2,270,711	1,811,019	1,730,654	1.04	6.36	3.61
2022-09-30	2,341,771	1,893,387	1,814,590	1.22	7.56	3.69
2022-12-31	2,441,289	1,987,980	1,865,544	1.28	7.98	3.73
2023-03-31	2,521,553	2,056,455	1,902,211	1.09	7.12	3.53
2023-06-30	2,509,631	2,046,630	1,927,653	1.14	7.42	3.52
2023-09-30	2,506,566	2,045,763	1,955,841	1.09	7.11	3.50
2023-12-31	2,603,349	2,075,199	1,981,428	1.00	6.53	3.46
2024-03-31	2,647,206	2,125,422	2,044,356	0.79	5.24	3.29
2024-06-30	2,677,086	2,151,213	2,019,082	0.84	5.59	3.35
2024-09-30	2,831,613	2,294,603	2,008,397	0.84	5.61	3.30
2024-12-31	2,925,032	2,394,313	2,279,510	0.81	5.49	3.28
2025-03-31	2,938,382	2,401,804	2,282,675	0.73	5.19	3.23
2025-06-30	2,996,131	2,455,015	2,328,457	0.63	4.48	3.36
2025-09-30	3,145,221	2,601,925	2,412,182	0.76	5.42	3.41
2025-12-31	3,320,167	2,775,244	2,398,118	0.82	5.88	3.43
2026-03-31	3,275,311	2,731,192	2,453,201	1.01	7.23	3.37
2026-06-30	3,228,118	2,679,639	2,455,924	1.05	7.40	3.53

Structure and branch footprint

80 current branch locations across 5 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2024-11-16	1	3636259	535753
2019-10-19	1	701950	535753
2017-04-29	1	667850	535753
2015-06-20	1	310437	535753
2015-06-20	1	3586925	535753

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.