San Diego, CA · Cert 35546 · Axos Financial Inc.
State savings bank · OCC · 3 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 over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
75
Profitability
91
Liquidity
0
Efficiency
84
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.
San Diego, CA · Cert 35546 · Axos Financial Inc.
State savings bank · OCC · 3 branches
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 17.1% share · #2 of 42 inst. · $23.1B of $135.0B
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 | 1.73% | 1.74% | 1.56% | 1.53% | 1.65% | 1.77% | 2.18% | 2.16% | +63 bps | |
| Return on Equity | 17.12% | 17.13% | 14.82% | 14.62% | 16.13% | 17.54% | 22.72% | 22.41% | +779 bps | |
| Net Interest Margin | 4.46% | 4.44% | 4.65% | 4.67% | 4.55% | 4.31% | 4.58% | 4.39% | -27 bps | |
| Efficiency Ratio | 42.53% | 41.93% | 43.08% | 43.36% | 43.25% | 42.85% | 41.10% | 42.30% | -106 bps | |
| Non-Interest Burden | 1.86% | 1.82% | 1.94% | 1.96% | 1.90% | 1.76% | 1.41% | 1.54% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.86% | 10.09% | 5.94% | 7.92% | 15.09% | 19.11% | 22.24% | 20.82% | +1,290 bps | |
| Loan Growth (YoY) | 9.07% | 6.98% | 8.03% | 7.83% | 15.77% | 24.86% | 24.56% | 24.64% | +1,680 bps | |
| Deposit Growth (YoY) | 13.87% | 9.76% | 5.73% | 7.94% | 12.10% | 17.00% | 11.58% | 18.03% | +1,009 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.13% | 1.26% | 0.71% | 0.62% | 0.58% | 0.46% | 0.41% | 0.44% | -18 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.15% | 0.09% | 0.16% | 0.13% | 0.10% | 0.08% | 0.09% | -7 bps | |
| Allowance / Loans | 1.10% | 1.14% | 1.21% | 1.28% | 1.21% | 1.15% | 1.13% | 1.06% | -22 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.9x | 1.7x | 2.0x | 2.1x | 2.5x | 2.7x | 2.4x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.72% | 10.06% | 10.23% | 9.69% | 9.15% | 9.39% | 9.24% | -99 bps | |
| Total Risk-Based Capital | 13.86% | 13.67% | 13.38% | 13.70% | 12.62% | 12.37% | 12.13% | 12.10% | -160 bps | |
| Equity / Assets | 10.20% | 10.46% | 10.53% | 10.37% | 9.62% | 9.57% | 9.59% | 9.72% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.50% | 93.73% | 96.05% | 95.21% | 95.53% | 100.03% | 107.24% | 100.54% | +533 bps | |
| Liquid Assets / Assets | 11.38% | 10.70% | 8.81% | 7.83% | 9.49% | 3.35% | 2.86% | 2.45% | -538 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 234% | 241% | 232% | n/a | n/a | |
San Diego, CA · Cert 35546 · Peer group: banks over $10B in assets (n=142-144) · Axos Financial Inc.
State savings bank · OCC · 3 branches
Q2 2026
Return on Assets
2.10%
Rank 11 of 144
Net Interest Margin
4.39%
Rank 16 of 144
Efficiency Ratio
43.14%
Rank 24 of 144
Equity / Assets
9.72%
Rank 105 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.10% | 1.00% | 1.26% | 1.54% | Beats 92% | 11 / 144 | ||
| Return on Equity | 21.61% | 8.98% | 11.34% | 14.40% | Beats 92% | 12 / 144 | ||
| Net Interest Margin | 4.39% | 2.82% | 3.31% | 3.68% | Beats 89% | 16 / 144 | ||
| Efficiency Ratio | 43.14% | 49.42% | 56.02% | 62.41% | Beats 84% | 24 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.48% | 0.73% | 1.07% | Beats 79% | 31 / 142 | ||
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.11% | 0.22% | Beats 70% | 43 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.93% | 12.07% | 12.98% | 14.92% | Beats 4% | 138 / 144 | ||
| Total Risk-Based Capital Ratio | 12.10% | 13.39% | 14.14% | 16.25% | Beats 4% | 138 / 144 | ||
| Equity / Assets | 9.72% | 9.69% | 11.39% | 12.96% | Beats 27% | 105 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.54% | 75.72% | 84.92% | 91.56% | 92nd pctl | 11 / 143 | ||
| Loans / Assets | 86.48% | 59.83% | 69.07% | 74.80% | 98th pctl | 3 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||