BlastPoint's Banking Scorecard

Axos Bank

$10B-$250B Specialty: Commercial CA FDIC cert 35546

San Diego, CA

3 branches across CA · NV · UT

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 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
Deposits +18.0% year over year ($24.8B on the books).
Delinquency rate 0.45%.
Return on assets 2.16%.
Efficiency ratio 42.30% vs a 53.67% peer average.
Loan-to-deposit ratio 99.47% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 10 in CA

View $10B-$250B leaderboard (CA) →

Axos Bank has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 8.6% in tier
+ Net Interest Margin 0.77% above tier average
+ Efficiency Ratio 11.37% below tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 16.86% above tier average

Get updates when Axos Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$28.9B +20.8% YoY +2.2% QoQ	-$14.7B	$43.6B -13.8% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$24.7B +24.9% YoY +2.7% QoQ	-$3.3B	$28.0B -8.6% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	71%
Total Deposits ?	$24.8B +18.0% YoY +9.5% QoQ	-$10.6B	$35.4B -14.0% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	62%
Return on Assets ?	2.16% +41.2% YoY -0.9% QoQ	+0.77%	1.39% +25.9% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Top 7.9% in tier
Net Interest Margin ?	4.69% -2.4% YoY -1.0% QoQ	+0.77%	3.92% +8.9% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 11.5% in tier
Efficiency Ratio ?	42.30% -2.4% YoY +2.9% QoQ	-11.37%	53.67% -1.9% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 14.4% in tier
Delinquency Rate ?	0.45% -29.1% YoY +6.8% QoQ	-0.57%	1.01% -2.8% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	99.47% +5.8% YoY -6.2% QoQ	+16.86%	82.61% +3.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 7.9% in tier
Non-Interest-Bearing Deposit Share ?	15.74% +4.2% YoY +3.1% QoQ	-4.85%	20.58% +4.9% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	0.38% -29.3% YoY +7.3% QoQ	-0.35%	0.73% +5.8% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	10.93% -12.0% YoY +0.3% QoQ	-4.42%	15.35% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Bottom 5.0% in tier
Non-Interest Income / Assets ?	0.30% +414.8% YoY +51.0% QoQ	-0.19%	0.50% +10.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	42%

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 (CA)	National Avg	Tier Percentile
Noninterest-Bearing	15.7% +0.6pp YoY +0.5pp QoQ	-5.3pp	21.0%	25.5%	22.2%	24%
Brokered Deposits	3.8% -4.7pp YoY -4.9pp QoQ	-5.4pp	9.2%	11.0%	8.5%	40%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	12.0% +3.7pp YoY +0.5pp QoQ	-5.2pp	17.2%	11.8%	12.5%	34%
CRE	22.7% -3.4pp YoY -1.9pp QoQ	-19.3pp	42.0%	67.5%	41.4%	16%
1-4 Family	15.9% -4.4pp YoY -0.6pp QoQ	-7.3pp	23.1%	16.5%	31.3%	32%
Consumer	2.8% +0.3pp YoY +0.1pp QoQ	-10.1pp	12.9%	5.3%	5.0%	59%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	10.9% -1.5pp YoY 0.0pp QoQ	-4.3pp	15.3%	23.7%	19.7%	4%
Leverage Ratio	9.2% -1.0pp YoY -0.2pp QoQ	-1.2pp	10.4%	14.5%	12.6%	22%
Total Capital Ratio	12.1% -1.6pp YoY 0.0pp QoQ	-4.4pp	16.5%	25.1%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	1,596 +151 (+10.4%) YoY +58 (+3.8%) QoQ	-1,662	3,258	337	482	38%
Assets per Employee ($)	$18.1M +9.4% YoY -1.5% QoQ	-$8.9M	$27.0M	$11.3M	$8.8M	69%
Branch Count	3 +1 (+50.0%) YoY 0 QoQ	-135	137	15	18	19%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY	-0.4pp	0.4%	0.3%	0.4%	54%
Nonaccrual	0.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.7%	1.4%	1.0%	26%
Allowance Coverage	2.39x +16.7% YoY -12.3% QoQ	-0.42x	2.81x	17.11x	20.23x	69%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.3%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	22.4% +7.8pp YoY -0.3pp QoQ	+9.8pp	12.6%	8.2%	11.6%	94%
Cost of Funds (YTD)	2.6% -0.2pp YoY 0.0pp QoQ	+0.6pp	2.0%	1.9%	1.7%	81%
Net Income ($, YTD)	$303.2M +70.4% YoY — QoQ	+$6.4M	$296.8M	$28.5M	$40.4M	71%

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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 (1)

Profitability Leader

growth

#4 of 35 • Top 8.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.16%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 139 peers in $10B-$250B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.16%

Peer Median: 1.39%

#12 of 139 Top 7.9% in $10B-$250B

Net Interest Margin

profitability

Value: 4.69%

Peer Median: 3.92%

#17 of 139 Top 11.5% in $10B-$250B

Efficiency Ratio

profitability

Value: 42.30%

Peer Median: 53.67%

#21 of 139 Top 14.4% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.45%

Peer Median: 1.01%

#33 of 138 Top 23.2% in $10B-$250B

Top Weaknesses (2 metrics)

133

Tier 1 Capital Ratio

capital

Value: 10.93%

Peer Median: 15.35%

#133 of 139 Bottom 5.0% in $10B-$250B

129

Loan-to-Deposit Ratio

liquidity

Value: 99.47%

Peer Median: 82.61%

#129 of 139 Bottom 7.9% in $10B-$250B