Maitland, FL · Cert 31390 · Axiom Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
40
Asset Quality
62
Profitability
23
Liquidity
99
Efficiency
2
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.
Maitland, FL · Cert 31390 · Axiom Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.7% share · #20 of 49 inst. · $0.5B of $68.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.32% | 0.04% | -0.17% | -0.31% | -0.33% | -0.07% | 0.17% | +34 bps | |
| Return on Equity | 4.78% | 2.99% | 0.39% | -1.62% | -2.78% | -3.01% | -0.59% | 1.42% | +304 bps | |
| Net Interest Margin | 4.41% | 4.31% | 3.62% | 3.78% | 3.85% | 3.96% | 3.40% | 3.84% | +5 bps | |
| Efficiency Ratio | 82.91% | 87.31% | 97.49% | 101.32% | 104.74% | 107.87% | 119.11% | 112.31% | +1,099 bps | |
| Non-Interest Burden | 3.47% | 3.63% | 3.51% | 3.99% | 4.24% | 4.45% | 4.22% | 4.42% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.12% | 4.07% | -1.44% | -2.75% | -4.30% | -9.95% | -10.09% | -11.61% | -887 bps | |
| Loan Growth (YoY) | 15.07% | 2.43% | -4.22% | -6.31% | -15.66% | -14.46% | -14.94% | -9.60% | -329 bps | |
| Deposit Growth (YoY) | -2.30% | 7.61% | 1.27% | -7.15% | -4.49% | -14.51% | -10.87% | -8.99% | -184 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.88% | 1.88% | 1.40% | 0.82% | 1.69% | 1.54% | 1.56% | 0.06% | -76 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.41% | 0.22% | 0.32% | 0.11% | 0.01% | 0.00% | -22 bps | |
| Allowance / Loans | 1.27% | 1.42% | 1.40% | 1.42% | 1.44% | 1.52% | 1.27% | 0.86% | -57 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 1.0x | 1.7x | 0.8x | 1.0x | 0.8x | 13.5x | +11.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 10.80% | 10.68% | 10.99% | 10.98% | 11.33% | 11.06% | 11.69% | +70 bps | |
| Total Risk-Based Capital | 14.63% | 15.11% | 15.62% | 15.89% | 16.65% | 11.33% | 11.06% | 11.69% | -420 bps | |
| Equity / Assets | 11.38% | 10.54% | 10.72% | 11.06% | 11.62% | 11.48% | 11.46% | 12.17% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.83% | 74.57% | 73.25% | 79.00% | 74.03% | 74.61% | 69.90% | 78.47% | -53 bps | |
| Liquid Assets / Assets | 14.92% | 17.20% | 12.69% | 6.45% | 10.27% | 12.53% | 13.27% | 7.92% | +147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 200% | 203% | 180.87% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.72% | 1.06% | 1.45% | Beats 6% | 699 / 746 | ||
| Return on Equity | 1.42% | 6.74% | 10.51% | 13.63% | Beats 6% | 700 / 746 | ||
| Net Interest Margin | 3.84% | 3.17% | 3.68% | 4.16% | Beats 58% | 314 / 746 | ||
| Efficiency Ratio | 112.31% | 55.74% | 64.58% | 75.47% | Beats 2% | 731 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.42% | 1.07% | Beats 77% | 171 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 47% | 394 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.69% | 11.55% | 13.75% | 17.60% | Beats 26% | 550 / 746 | ||
| Total Risk-Based Capital Ratio | 11.69% | 11.71% | 14.33% | 18.43% | Beats 24% | 564 / 746 | ||
| Equity / Assets | 12.17% | 8.90% | 10.51% | 13.06% | Beats 69% | 232 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.47% | 61.31% | 78.27% | 90.78% | 50th pctl | 372 / 746 | ||
| Loans / Assets | 68.19% | 53.60% | 66.97% | 76.08% | 53rd pctl | 352 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||