BlastPoint's Banking Scorecard
Axos Bank
San Diego, CA
3 branches across CA · NV · UT
Axos Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 2.9% in tier
- + Net Interest Margin 0.97% above tier average
- + Efficiency Ratio 12.80% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$28.2B
+22.2% YoY
+3.8% QoQ
|
-$19.1B |
$47.4B
-2.0% YoY
|
$4.8B
+7.6% YoY
|
$6.2B
+9.0% YoY
|
58% |
| Total Loans ? |
$24.1B
+24.7% YoY
+3.5% QoQ
|
-$5.6B |
$29.6B
-0.4% YoY
|
$3.3B
+8.3% YoY
|
$3.2B
+10.7% YoY
|
67% |
| Total Deposits ? |
$22.7B
+11.6% YoY
-3.5% QoQ
|
-$16.1B |
$38.7B
-1.6% YoY
|
$3.9B
+6.9% YoY
|
$4.8B
+8.0% YoY
|
56% |
| Return on Assets ? |
2.18%
+39.9% YoY
+23.1% QoQ
|
+0.89% |
1.28%
+19.3% YoY
|
1.75%
+28.6% YoY
|
1.24%
+13.1% YoY
|
Top 5.9% in tier |
| Net Interest Margin ? |
4.74%
-1.7% YoY
-3.3% QoQ
|
+0.97% |
3.77%
+5.6% YoY
|
3.80%
+3.1% YoY
|
3.89%
+5.7% YoY
|
Top 9.6% in tier |
| Efficiency Ratio ? |
41.10%
-4.6% YoY
-4.1% QoQ
|
-12.80% |
53.90%
-4.0% YoY
|
69.04%
-8.1% YoY
|
66.84%
-3.8% YoY
|
Top 14.8% in tier |
| Delinquency Rate ? |
0.42%
-41.6% YoY
-9.8% QoQ
|
-0.60% |
1.02%
-4.1% YoY
|
1.18%
+69.8% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
106.02%
+11.7% YoY
+7.2% QoQ
|
+25.14% |
80.88%
+2.0% YoY
|
85.63%
+2.0% YoY
|
76.69%
+0.9% YoY
|
Bottom 4.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.26%
+2.4% YoY
+7.7% QoQ
|
-4.56% |
19.82%
+0.3% YoY
|
24.99%
-4.4% YoY
|
22.01%
-1.1% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.36%
-41.7% YoY
-13.6% QoQ
|
-0.37% |
0.73%
+4.0% YoY
|
0.92%
+66.1% YoY
|
0.66%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
10.90%
-10.6% YoY
-2.0% QoQ
|
-4.66% |
15.56%
-0.1% YoY
|
21.06%
-3.6% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.7% in tier |
| Non-Interest Income / Assets ? |
0.20%
+595.8% YoY
+24.0% QoQ
|
-0.03% |
0.23%
+0.9% YoY
|
0.69%
+11.1% YoY
|
0.32%
+4.0% YoY
|
62% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.