BlastPoint's Banking Scorecard

Axiom Bank, National Association

$100M-$1B Specialty: Commercial FL FDIC cert 31390

Maitland, FL

7 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Axiom Bank, National Association has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 15.99% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 6.6% in tier
- Deposit Outflow: Bottom 18.2% in tier
- Return on Assets 1.34% below tier average
- Efficiency Ratio 53.82% above tier average
- Net Interest Margin 0.23% below tier average
- Delinquency Rate 0.69% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$774.3M -10.1% YoY -1.3% QoQ	+$388.2M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	Top 9.5% in tier
Total Loans ?	$468.7M -14.8% YoY -3.1% QoQ	+$213.0M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Top 13.9% in tier
Total Deposits ?	$679.2M -10.9% YoY +3.1% QoQ	+$351.2M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	Top 8.3% in tier
Return on Assets ?	-0.07% -263.6% YoY +79.8% QoQ	-1.34%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Bottom 3.2% in tier
Net Interest Margin ?	3.71% -2.1% YoY -6.6% QoQ	-0.23%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	119.11% +22.2% YoY +10.4% QoQ	+53.82%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	Bottom 0.8% in tier
Delinquency Rate ?	1.58% +11.3% YoY +0.7% QoQ	+0.69%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	69.02% -4.4% YoY -6.1% QoQ	-7.62%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	38.01% -0.6% YoY -2.3% QoQ	+15.99%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 6.4% in tier
Nonperforming Asset Ratio ?	0.96% +4.0% YoY -1.2% QoQ	+0.32%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	11.06% -23.0% YoY -2.3% QoQ	-4.77%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.24% -7.5% YoY -69.7% QoQ	-0.04%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Top 9.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#45 of 666 • Bottom 6.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.06%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Outflow

decline

#93 of 506 • Bottom 18.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

171

Non-Interest-Bearing Deposit Share

funding

Value: 38.01%

Peer Median: 22.02%

#171 of 2664 Top 6.4% in $100M-$1B

221

Total Deposits

size

Value: $679.18M

Peer Median: $327.97M

#221 of 2664 Top 8.3% in $100M-$1B

253

Total Assets

size

Value: $774.27M

Peer Median: $386.08M

#253 of 2664 Top 9.5% in $100M-$1B

265

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#265 of 2664 Top 9.9% in $100M-$1B

372

Total Loans

size

Value: $468.74M

Peer Median: $255.72M

#372 of 2664 Top 13.9% in $100M-$1B

Top Weaknesses (5 metrics)

2643

Efficiency Ratio

profitability

Value: 119.11%

Peer Median: 65.29%

#2643 of 2664 Bottom 0.8% in $100M-$1B

2579

Return on Assets

profitability

Value: -0.07%

Peer Median: 1.27%

#2579 of 2664 Bottom 3.2% in $100M-$1B

2198

Delinquency Rate

credit_quality

Value: 1.58%

Peer Median: 0.89%

#2198 of 2654 Bottom 17.2% in $100M-$1B

2115

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.64%

#2115 of 2664 Bottom 20.6% in $100M-$1B

2036

Tier 1 Capital Ratio

capital

Value: 11.06%

Peer Median: 15.83%

#2036 of 2664 Bottom 23.6% in $100M-$1B