Axos Bank
Total assets
$28.87B
▲ +20.8% YoY
Deposits
$24.83B
▲ +18.0% YoY
Loans
$24.70B
▲ +24.9% YoY
Offices
3
AXOS FINANCIAL INC
ROA (annualized)
2.16%
peers 1.23%
ROE (annualized)
22.41%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Axos Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.8% | +5.9% | +14.9 pts |
| Deposit growth (YoY) | +18.0% | +5.7% | +12.3 pts |
| Loan growth (YoY) | +24.9% | +6.9% | +18.0 pts |
| ROA | 2.16% | 1.23% | +0.9 pts |
| ROE | 22.4% | 11.2% | +11.2 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
Profile
- Established
- 2000
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- AXOS FINANCIAL INC
- Specialization
- Commercial Lending Specialization
- Address
- 4350 La Jolla Village Dr, San Diego, CA, 92122
- County
- San Diego
- Metro area
- San Diego-Chula Vista-Carlsbad, CA
- Offices
- 3
- FDIC cert #
- 35546
- RSSD ID
- 2917317
- 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 | $28.87B | $24.83B | $24.70B | $2.81B | $303.2M | 2.16% | 4.69% | 0.38% |
| Q1 2026 | $28.24B | $22.68B | $24.05B | $2.71B | $150.8M | 2.18% | 4.74% | 0.36% |
| Q4 2025 | $27.21B | $23.51B | $23.24B | $2.60B | $436.3M | 1.77% | 4.91% | 0.41% |
| Q3 2025 | $26.35B | $22.62B | $21.35B | $2.53B | $297.4M | 1.65% | 4.79% | 0.49% |
| Q2 2025 | $23.90B | $21.04B | $19.78B | $2.48B | $177.9M | 1.53% | 4.81% | 0.54% |
| Q1 2025 | $23.10B | $20.33B | $19.29B | $2.43B | $89.3M | 1.56% | 4.82% | 0.61% |
| Q4 2024 | $22.84B | $20.09B | $18.62B | $2.39B | $384.9M | 1.74% | 4.85% | 1.04% |
| Q3 2024 | $22.89B | $20.18B | $18.46B | $2.33B | $283.8M | 1.73% | 4.79% | 0.92% |
Loan mix (Q2 2026): real estate $9.53B · commercial $2.96B · consumer $699.1M · securities $1.57B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Axos Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 1.23% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 22.4% | 11.3% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.55% | 89th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.3% | 54.9% | 18th | |
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 | Axos Bank | 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 | Axos Bank | 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 | Axos Bank | 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 | Axos Bank | 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.
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