BlastPoint's Banking Scorecard

Axiom Bank, National Association

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

Maitland, FL

7 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
Deposits -9.0% year over year ($636.4M on the books).
Delinquency rate 0.06%.
Return on assets 0.17%.
Efficiency ratio 112.31% vs a 64.48% peer average.
Loan-to-deposit ratio 77.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL

View $100M-$1B leaderboard (FL) →

Axiom Bank, National Association has 4 strengths but faces 3 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 13.66% above tier average
+ Non-Interest Income / Assets 0.06% below tier average
+ Net Interest Margin 0.05% above tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 5.4% in tier
- Return on Assets 1.16% below tier average
- Efficiency Ratio 47.83% above tier average

Get updates when Axiom Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$732.4M -11.6% YoY -5.4% QoQ	+$345.8M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	Top 11.2% in tier
Total Loans ?	$495.1M -9.1% YoY +5.6% QoQ	+$236.7M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	Top 11.9% in tier
Total Deposits ?	$636.4M -9.0% YoY -6.3% QoQ	+$309.7M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	Top 10.3% in tier
Return on Assets ?	0.17% +195.1% YoY +346.5% QoQ	-1.16%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Bottom 5.0% in tier
Net Interest Margin ?	4.04% +3.8% YoY +9.0% QoQ	+0.05%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	55%
Efficiency Ratio ?	112.31% +10.9% YoY -5.7% QoQ	+47.83%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	Bottom 1.2% in tier
Delinquency Rate ?	0.06% -92.3% YoY -95.9% QoQ	-0.85%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	78%
Loan-to-Deposit Ratio ?	77.79% -0.1% YoY +12.7% QoQ	-0.16%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	54%
Non-Interest-Bearing Deposit Share ?	35.69% -6.5% YoY -6.1% QoQ	+13.66%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 9.1% in tier
Nonperforming Asset Ratio ?	0.04% -92.1% YoY -95.5% QoQ	-0.63%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	80%
Tier 1 Capital Ratio ?	11.69% -20.2% YoY +5.6% QoQ	-4.22%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.51% -0.5% YoY +114.1% QoQ	-0.06%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Top 9.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	35.7% -2.5pp YoY -2.3pp QoQ	+13.5pp	22.1%	27.7%	22.2%	91%
Brokered Deposits	4.9% -9.0pp YoY -5.6pp QoQ	-2.9pp	7.9%	8.7%	8.5%	51%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	51.1% +6.2pp YoY +4.7pp QoQ	+39.6pp	11.6%	12.9%	12.5%	99%
CRE	33.6% -0.5pp QoQ	-5.9pp	39.5%	50.6%	41.4%	41%
1-4 Family	0.0% -6.4pp YoY	-32.6pp	32.6%	30.7%	31.3%	0%
Consumer	8.6% -0.7pp YoY -0.9pp QoQ	+4.5pp	4.1%	3.7%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.8%	19.7%	n/a
Leverage Ratio	11.7% +0.7pp YoY +0.6pp QoQ	-0.5pp	12.2%	13.9%	12.6%	61%
Total Capital Ratio	n/a	n/a	19.9%	21.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	144 -2 (-1.4%) YoY -5 (-3.4%) QoQ	+85	58	295	482	97%
Assets per Employee ($)	$5.1M -10.4% YoY -2.1% QoQ	-$2.4M	$7.5M	$10.3M	$8.8M	16%
Branch Count	7 0 YoY 0 QoQ	+2	4	13	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.1% -0.8pp YoY -1.5pp QoQ	-0.9pp	0.9%	0.7%	1.0%	14%
Allowance Coverage	13.54x +680.3% YoY +1560.7% QoQ	-10.62x	24.15x	16.62x	20.23x	85%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	1.4% +3.0pp YoY +2.0pp QoQ	-10.8pp	12.2%	9.3%	11.6%	5%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	69%
Net Income ($, YTD)	$633,000 +185.1% YoY — QoQ	-$1.9M	$2.6M	$25.2M	$40.4M	14%

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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 (1)

Deposit Outflow

decline

#30 of 535 • Bottom 5.4% in tier

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

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

241

Non-Interest-Bearing Deposit Share

funding

Value: 35.69%

Peer Median: 22.03%

#241 of 2643 Top 9.1% in $100M-$1B

246

Non-Interest Income / Assets

revenue_mix

Value: 0.51%

Peer Median: 0.57%

#246 of 2643 Top 9.3% in $100M-$1B

272

Total Deposits

size

Value: $636.42M

Peer Median: $326.73M

#272 of 2643 Top 10.3% in $100M-$1B

296

Total Assets

size

Value: $732.39M

Peer Median: $386.57M

#296 of 2643 Top 11.2% in $100M-$1B

315

Total Loans

size

Value: $495.10M

Peer Median: $258.35M

#315 of 2643 Top 11.9% in $100M-$1B

541

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#541 of 2643 Top 20.4% in $100M-$1B

592

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.92%

#592 of 2633 Top 22.4% in $100M-$1B

Top Weaknesses (2 metrics)

2613

Efficiency Ratio

profitability

Value: 112.31%

Peer Median: 64.48%

#2613 of 2643 Bottom 1.2% in $100M-$1B

2512

Return on Assets

profitability

Value: 0.17%

Peer Median: 1.32%

#2512 of 2643 Bottom 5.0% in $100M-$1B