Axos Bank
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
$28.9BAssets
$25.0BLoans
$24.8BDeposits
$2.8BEquity
Executive Summary
- Strongest standing: return on assets outperforms 92% of banks over $10B in assets (rank 11 of 144).
- Widest gap: total risk-based capital ratio trails 96% of banks over $10B in assets (rank 138 of 144).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $436.3M · efficiency ratio beats 84% of banks over $10B in assets | 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 |