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
Unfavorable gap of $33.5M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state | 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 |