Call reports 2025
ACADEMY BANK, N.A. — 2025
What ACADEMY BANK, N.A. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,938,382,000 | 2,996,131,000 | 3,145,221,000 | 3,320,167,000 |
| Total loans | 2,313,264,000 | 2,360,922,000 | 2,445,845,000 | 2,429,352,000 |
| Allowance for loan losses | 30,589,000 | 32,465,000 | 33,663,000 | 31,234,000 |
| Securities available for sale | 318,340,000 | 323,029,000 | 334,871,000 | 350,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,401,804,000 | 2,455,015,000 | 2,601,925,000 | 2,775,244,000 |
| Interest-bearing deposits | 1,988,768,000 | 2,033,020,000 | 2,188,765,000 | 2,371,454,000 |
| Noninterest-bearing deposits | 413,036,000 | 421,995,000 | 413,160,000 | 403,790,000 |
| Equity capital | 417,291,000 | 421,125,000 | 430,295,000 | 460,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 41,317,000 | 84,431,000 | 128,688,000 | 174,865,000 |
| Interest expense | 19,078,000 | 37,773,000 | 56,515,000 | 75,948,000 |
| Net interest income | 22,239,000 | 46,658,000 | 72,173,000 | 98,917,000 |
| Noninterest income | 10,402,000 | 22,160,000 | 34,281,000 | 46,075,000 |
| Noninterest expense | 24,044,000 | 48,888,000 | 73,930,000 | 98,469,000 |
| Provision for loan losses | 1,300,000 | 6,950,000 | 9,150,000 | 12,650,000 |
| Pretax income | 7,032,000 | 12,203,000 | 22,386,000 | 32,902,000 |
| Income tax | 1,679,000 | 2,905,000 | 5,344,000 | 7,799,000 |
| Net income | 5,353,000 | 9,298,000 | 17,042,000 | 25,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 421,629,000 | 423,293,000 | 428,760,000 | 456,864,000 |
| Total capital | 454,029,000 | 456,151,000 | 462,775,000 | 490,452,000 |
| Risk-weighted assets | 2,591,284,000 | 2,625,952,000 | 2,718,235,000 | 2,686,112,000 |