PackageTrendsPeer
Letter portraitLegal landscape

Axiom Bank, National Association

Maitland, FL · Cert 31390 · Axiom Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Axiom Bank, National Association

Maitland, FL · Cert 31390 · Axiom Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

$732.4MAssets
$499.4MLoans
$636.4MDeposits
$89.1MEquity
Loan mix
38%RE $159.9M52%C&I $217.6M11%Consumer $44.6MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $409.3M36%Noninterest $227.1MQ2 2025Q2 2026

NIM

6.30%Q2 ’245.85%Q2 ’255.70%Q2 ’26-11%+1%

Non-interest income vs. expense

4.27%Q2 ’245.01%Q2 ’255.41%Q2 ’26+26%+11%

Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.7% share · #20 of 49 inst. · $0.5B of $68.8B

1.0% Orange
0.8% Volusia
0.3% Polk
0.7% Osceola

Executive Summary

  • Earnings: ROA of 0.17%, up 34 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.06% of loans (-76 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.69%, up 70 bps from a year ago.
  • Funding: loans stand at 78.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.17%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+5 bps YoY

Efficiency Ratio (YTD, annualized)

112.31%+1,099 bps YoY

Tier 1 Leverage Ratio

11.69%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.17%-0.31%-0.33%-0.07%0.17%+34 bps
Return on Equity-1.62%-2.78%-3.01%-0.59%1.42%+304 bps
Net Interest Margin3.78%3.85%3.96%3.40%3.84%+5 bps
Efficiency Ratio101.32%104.74%107.87%119.11%112.31%+1,099 bps
Non-Interest Burden3.99%4.24%4.45%4.22%4.42%+43 bps
Growth
Asset Growth (YoY)-2.75%-4.30%-9.95%-10.09%-11.61%-887 bps
Loan Growth (YoY)-6.31%-15.66%-14.46%-14.94%-9.60%-329 bps
Deposit Growth (YoY)-7.15%-4.49%-14.51%-10.87%-8.99%-184 bps
Asset Quality
Nonperforming Loans / Loans0.82%1.69%1.54%1.56%0.06%-76 bps
Net Charge-Offs / Loans0.22%0.32%0.11%0.01%0.00%-22 bps
Allowance / Loans1.42%1.44%1.52%1.27%0.86%-57 bps
Allowance Coverage of NPLs1.7x0.8x1.0x0.8x13.5x+11.8x
Capital
Tier 1 Leverage Ratio10.99%10.98%11.33%11.06%11.69%+70 bps
Total Risk-Based Capital15.89%16.65%11.33%11.06%11.69%-420 bps
Equity / Assets11.06%11.62%11.48%11.46%12.17%+111 bps
Liquidity & Funding
Loans / Deposits79.00%74.03%74.61%69.90%78.47%-53 bps
Liquid Assets / Assets6.45%10.27%12.53%13.27%7.92%+147 bps
CRE / Total Capitaln/a200%203%180.87%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Axiom Bank, National Association

Maitland, FL · Cert 31390 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Axiom Bancshares Inc.

National charter · OCC · 7 branches

Q2 2026

$732.4MAssets
$499.4MLoans
$636.4MDeposits
$89.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of banks under $1B in assets operating in a single state (rank 171 of 743).
  • Widest gap: efficiency ratio trails 98% of banks under $1B in assets operating in a single state (rank 731 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.17%

Rank 699 of 746

Net Interest Margin

3.84%

Rank 314 of 746

Efficiency Ratio

112.31%

Rank 731 of 746

Equity / Assets

12.17%

Rank 232 of 746

Non-interest income vs. expense

$7.5M$41.0MINCOMEEXPENSE
Unfavorable gap of $33.5M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
Bank 112.31%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.17%0.72%1.06%1.45%Beats 6%699 / 746
Return on Equity1.42%6.74%10.51%13.63%Beats 6%700 / 746
Net Interest Margin3.84%3.17%3.68%4.16%Beats 58%314 / 746
Efficiency Ratio112.31%55.74%64.58%75.47%Beats 2%731 / 746
Asset Quality
Nonperforming Loans / Loans0.06%0.09%0.42%1.07%Beats 77%171 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 47%394 / 743
Capital
Tier 1 Capital Ratio11.69%11.55%13.75%17.60%Beats 26%550 / 746
Total Risk-Based Capital Ratio11.69%11.71%14.33%18.43%Beats 24%564 / 746
Equity / Assets12.17%8.90%10.51%13.06%Beats 69%232 / 746
Liquidity & Funding
Loans / Deposits78.47%61.31%78.27%90.78%50th pctl372 / 746
Loans / Assets68.19%53.60%66.97%76.08%53rd pctl352 / 746
Brokered Deposits / Depositsn/aNot reported for this institution