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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

6.48%Q2 ’245.84%Q2 ’255.89%Q2 ’26-13%+6%

Non-interest income vs. expense

4.40%Q2 ’245.32%Q2 ’255.38%Q2 ’26+30%+1%

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 0.41%, up 80 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.06% of loans (-76 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

0.41%+80 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+25 bps YoY

Efficiency Ratio (quarter, annualized)

106.20%+107 bps YoY

Tier 1 Leverage Ratio

11.69%+70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.39%-0.58%-0.43%-0.07%0.41%+80 bps
Return on Equity-3.62%-5.12%-3.72%-0.59%3.44%+706 bps
Net Interest Margin3.83%3.94%3.62%3.40%4.08%+25 bps
Efficiency Ratio105.13%111.88%120.12%119.11%106.20%+107 bps
Non-Interest Burden4.35%4.69%4.40%4.22%4.39%+4 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 / Loans0.02%0.49%-0.55%0.01%-0.01%-2 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