Axos Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Axos Bank is one of the more profitable banks of its size. Its balance sheet stood at $28.9 billion at June 30, 2026, up 20.8% from a year earlier; it is based in San Diego, California. It earns about $2.15 a year on every $100 of assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median $1.32). It also keeps 4.60 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.63 cents). Much of that comes from cost control: it spends about 44 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $152 million, 72% above the same quarter a year earlier. Over the same year, loans grew 24.6% and deposits grew 18.0%. Where it has less room is capital: it holds common equity equal to 10.93% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 12.98%).
As of June 30, 2026, Axos Bank reported a CET1 capital ratio of 10.93%, a return on assets of 2.15%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.80%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4350 La Jolla Village Dr, San Diego, CA 92122
- County
- San Diego
- Metro Area
- San Diego-Chula Vista-Carlsbad, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 4, 2000
- Former names
- Bofi Federal Bank (2011-2018); Bank of Internet USA (2000-2011)
- Offices
- 3 domestic
- Employees (FTE)
- 1,596
- Domestic deposits
- $24.83B
- Allowance for credit losses
- $264.0M
- Net charge-offs (YTD)
- $10.9M
- Average total assets
- $28.41B
- Average total loans
- $22.84B
- Average interest-bearing deposits
- $24.72B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 4, 2000
- FDIC Cert
- 35546
- Fed RSSD
- 2917317
- SEC CIK
- 1299709 → filed by AXOS FINANCIAL, INC.
- Website
- www.axosbank.com →
- Parent Holding Company
- AXOS FINANCIAL, INC. (RSSD 3814310) · AX
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Gregory Garrabrants | CEO | President and CEO |
| Derrick Walsh | CFO | EVP, Chief Financial Officer |
| Raymond D Matsumoto | COO | EVP, Chief Operating Officer |
| Tolla John Charles | CRO | EVP, Chief Risk Officer |
| Thomas M Constantine | CCO | EVP, Chief Credit Officer |
| Eshel Bar-Adon | GC | EVP, Chief Legal Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Axos Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Axos Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Axos Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.93% | 2.15% | 0.44% | 3.80% | 4.60% |
| Q1 2026 | 10.90% | 2.22% | 0.41% | 3.53% | 4.77% |
| Q4 2025 | 11.12% | 2.06% | 0.46% | 4.06% | 5.09% |
| Q3 2025 | 11.37% | 1.96% | 0.58% | 4.84% | 4.89% |
| Q2 2025 | 12.42% | 1.54% | 0.62% | 4.81% | 4.83% |
| Q1 2025 | 12.20% | 1.56% | 0.71% | 5.38% | 4.77% |
| Q4 2024 | 12.49% | 1.74% | 1.26% | 9.28% | 4.87% |
| Q3 2024 | 12.67% | 1.67% | 1.13% | 8.43% | 4.90% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Axos Bank (main office) | San Diego , CA | 92122 | $23.11B |
| Las Vegas Branch | Las Vegas , NV | 89148 | $1.56B |
| Axos Bank Branch | Sandy , UT | 84070 | $162.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 16, 2019 | Structure Change | Acquired Mwabank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2015 | Structure Change | Acquired H & R Block Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 6, 2015 | Structure Change | Acquired Union Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Axos Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in CA, rank 10 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,014 applications, 658 loans originated, $1.18B originated, across 50 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 301 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Axos Bank
What are Axos Bank's total assets?
As of the Q2 2026 filing, Axos Bank reported total assets of $28.87 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Axos Bank headquartered?
Axos Bank is headquartered in San Diego, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Axos Bank founded?
Axos Bank was established in 2000, per the FDIC institution directory.
Is Axos Bank FDIC-insured?
Yes. Axos Bank is an FDIC-insured savings institution (FDIC Certificate #35546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Axos Bank?
Axos Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Axos Bank's CET1 capital ratio?
Axos Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does Axos Bank operate?
Axos Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Axos Bank's Texas Ratio?
Axos Bank's Texas Ratio is 3.80% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Axos Bank previously called?
The charter now named Axos Bank has also operated as Bofi Federal Bank (2011-2018), Bank of Internet USA (2000-2011), per FDIC structure-change records.
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