Axiom Bank, National Association
Total assets
$732.4M
▼ -11.6% YoY
Deposits
$636.4M
▼ -9.0% YoY
Loans
$495.1M
▼ -9.1% YoY
Offices
7
AXIOM BANCSHARES INC
ROA (annualized)
0.17%
peers 1.28%
ROE (annualized)
1.42%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.6% | +4.9% | -16.5 pts |
| Deposit growth (YoY) | -9.0% | +4.3% | -13.3 pts |
| Loan growth (YoY) | -9.1% | +5.3% | -14.4 pts |
| ROA | 0.17% | 1.28% | -1.1 pts |
| ROE | 1.4% | 12.4% | -11.0 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
Profile
- Established
- 1962
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- AXIOM BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 258 Southhall Ln, Maitland, FL, 32751
- County
- Orange
- Metro area
- Orlando-Kissimmee-Sanford, FL
- Offices
- 7
- FDIC cert #
- 31390
- RSSD ID
- 408875
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $732.4M | $636.4M | $495.1M | $89.1M | $633K | 0.17% | 4.04% | 0.04% |
| Q1 2026 | $774.3M | $679.2M | $468.7M | $88.7M | $-131K | -0.07% | 3.71% | 0.96% |
| Q4 2025 | $784.1M | $658.5M | $483.8M | $90.0M | $-2.8M | -0.33% | 3.97% | 0.97% |
| Q3 2025 | $780.1M | $681.2M | $497.0M | $90.7M | $-1.9M | -0.31% | 4.03% | 1.09% |
| Q2 2025 | $828.6M | $699.3M | $544.5M | $91.7M | $-744K | -0.17% | 3.89% | 0.55% |
| Q1 2025 | $861.2M | $762.0M | $550.4M | $92.3M | $89K | 0.04% | 3.78% | 0.92% |
| Q4 2024 | $870.7M | $770.2M | $566.2M | $91.8M | $2.7M | 0.32% | 4.51% | 1.25% |
| Q3 2024 | $815.1M | $713.2M | $590.3M | $92.7M | $3.2M | 0.51% | 4.58% | 1.43% |
Loan mix (Q2 2026): real estate $166.4M · commercial $253.2M · consumer $42.6M · securities $136.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 1.28% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 12.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.89% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.3% | 61.2% | 99th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- United Southern BankUmatilla, FL · $843.0M
- Terrabank, National AssociationCoral Gables, FL · $897.7M
- Mainstreet Community Bank of FloridaDeland, FL · $953.4M
- Prime Meridian BankTallahassee, FL · $956.4M
- Sanibel Captiva Community BankSanibel, FL · $976.2M
- Minster BankMinster, OH · $811.6M
Selling to Axiom Bank, National Association?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.