Visbanking Logo
Skip to main content

Academy Bank National Association

IDRSSD: 535753
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2026-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #535753 2026-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ -1
89
Sub-score

Liquidity is strong: brokered 1.1%, loans/deposits 89.8%, cash 10.1% of assets.

Cash / Assets
10.05%
Loans / Deposits
89.82%
Brokered %
1.10%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.79%, CET1 16.79%, leverage 14.02%.

Tier 1 RBC
16.79%
CET1
16.79%
Leverage
14.02%
No watch items at this period.

Asset Quality

StrongQoQ +5
94
Sub-score

Asset quality is strong: Adjusted NPL 1.17%, Texas Ratio 5.8%, NCO YTD 0.14%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.14%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -4
52
Sub-score

Reserves are deteriorating: ALLL 1.34% of loans, coverage 115.8%, true coverage 49.1%.

ALLL / Loans
1.34%
Coverage
115.8%
True Loss Coverage
49.1%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.1% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 21:29:38 UTC