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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | -0.25% | 0.04% | -0.39% | -0.58% | -0.43% | -0.07% | 0.41% | +80 bps | |
| Return on Equity | 3.32% | -2.31% | 0.39% | -3.62% | -5.12% | -3.72% | -0.59% | 3.44% | +706 bps | |
| Net Interest Margin | 4.45% | 4.20% | 3.62% | 3.83% | 3.94% | 3.62% | 3.40% | 4.08% | +25 bps | |
| Efficiency Ratio | 89.36% | 101.06% | 97.49% | 105.13% | 111.88% | 120.12% | 119.11% | 106.20% | +107 bps | |
| Non-Interest Burden | 3.86% | 4.26% | 3.51% | 4.35% | 4.69% | 4.40% | 4.22% | 4.39% | +4 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 | 0.03% | -0.01% | 0.41% | 0.02% | 0.49% | -0.55% | 0.01% | -0.01% | -2 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 | |