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 12.91% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.24% 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
|
-$18.7B |
$47.0B
-1.9% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$24.1B
+24.7% YoY
+3.5% QoQ
|
-$5.3B |
$29.4B
-0.4% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$22.7B
+11.6% YoY
-3.5% QoQ
|
-$15.7B |
$38.4B
-1.6% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
2.18%
+39.9% YoY
+23.1% QoQ
|
+0.90% |
1.28%
+18.7% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Top 5.8% in tier |
| Net Interest Margin ? |
4.74%
-1.7% YoY
-3.3% QoQ
|
+0.97% |
3.77%
+5.8% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 9.5% in tier |
| Efficiency Ratio ? |
41.10%
-4.6% YoY
-4.1% QoQ
|
-12.91% |
54.01%
-3.7% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 14.6% in tier |
| Delinquency Rate ? |
0.42%
-41.6% YoY
-9.8% QoQ
|
-0.60% |
1.02%
-3.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
106.02%
+11.7% YoY
+7.2% QoQ
|
+25.24% |
80.79%
+1.9% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.26%
+2.4% YoY
+7.7% QoQ
|
-4.78% |
20.04%
+0.2% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.36%
-41.7% YoY
-13.6% QoQ
|
-0.37% |
0.72%
+4.2% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
10.90%
-10.6% YoY
-2.0% QoQ
|
-4.62% |
15.51%
-0.4% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.6% in tier |
| Non-Interest Income / Assets ? |
0.20%
+595.8% YoY
+24.0% QoQ
|
-0.02% |
0.22%
+0.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
63% |
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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.