Axiom Bank, N.A.
BankRegReports is independent of Axiom Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Axiom Bank, N.A. is an FDIC-insured commercial bank headquartered in Maitland, FL, established in 1962 (FDIC certificate 31390), and it is supervised by the OCC. At Q2 2026 it reported total assets of $732.4M, down 11.6% from Q2 2025, the 39th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.69% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31390
- Headquarters
- Maitland, FL
- Established
- 1962
- Total assets, Q2 2026
- $732.4M
- Assets vs Q2 2025
- -11.6%
- Tier 1 leverage ratio, Q2 2026
- 11.69%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 263184815
- Latest call report
- Q2 2026, FFIEC 051 · Axiom Bank, N.A. call report
- Holding company
- AXIOM BANCSHARES, INC.
- Asset rank in state
- 39th of 81 in Florida
Axiom Bank, N.A. spends more to run itself than most banks of its size. It reported $732 million in assets at June 30, 2026, down 11.6% from a year earlier. It earns about $0.40 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 106 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.06% of loans from 0.82%. Its $104 million non-owner-occupied commercial real estate book is now fully current, after 4.65% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Axiom Bank, N.A. reported a return on assets of 0.40%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.34%. The figures come from its call report filed with the FFIEC.
Axiom Bank, N.A. ranks as the 39th largest of the 81 banks based in Florida, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.4% to $732.4M, loans rose 5.2% and deposits fell 6.3%. Commercial and industrial loans made up 50.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.9%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in FL; its Maitland office books 56% of its branch deposits. On its Q2 2026 call report, Axiom Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 258 Southhall Ln, Maitland, FL 32751
- County
- Orange
- Metro Area
- Orlando-Kissimmee-Sanford, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1962
- Former names
- Axiom Bank (2014-2017); Urban Trust Bank (2006-2014); Metro Bank, FSB (2003-2006); Metro Savings Bank, F.S.B. (1990-2003); Washington Shores Savings Bank, FSB (1984-1990)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 144
- Domestic deposits
- $636.4M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $758.5M
- Average total loans
- $481.0M
- Average interest-bearing deposits
- $413.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31390
- Fed RSSD
- 408875
- Website
- www.axiombanking.com →
- Parent Holding Company
- AXIOM BANCSHARES, INC. (RSSD 3837962)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Axiom Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Axiom Bank, N.A.'s total assets moved between a low of $732.4M (Q2 2026) and a high of $873.7M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$732.4M total assets against $828.6M; $643.3M total liabilities against $737.0M.
$495.1M net loans and leases against $544.5M; $636.4M total deposits against $699.3M.
$136.3M securities against $186.9M; $68.6M cash and balances due against $61.6M.
$11.2M total interest income against $12.1M; $3.4M total interest expense against $4.2M.
$7.7M net interest income against $8.0M.
$1.9M total noninterest income against $2.0M; $10.2M total noninterest expense against $11.1M.
-$1.6M provision for credit losses against $59K.
$764K net income against -$833K.
0.40% return on assets against -0.40%; 4.29% net interest margin against 4.00%.
11.69% tier 1 leverage ratio against 10.99%.
Inside the full Axiom Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAxiom Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,329 of 4,196, for total assets; its furthest is 3,568 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.57% (Q3 2025) to 0.40% (Q2 2026) and its net interest margin ran from 3.55% (Q1 2026) to 4.64% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.69% | 0.40% | 0.06% | 0.34% | 4.29% |
| Q1 2026 | 11.06% | -0.07% | 1.56% | 7.81% | 3.55% |
| Q4 2025 | 11.33% | -0.43% | 1.54% | 7.79% | 3.79% |
| Q3 2025 | 10.98% | -0.57% | 1.69% | 8.71% | 4.10% |
| Q2 2025 | 10.99% | -0.40% | 0.82% | 4.58% | 4.00% |
| Q1 2025 | 10.68% | 0.04% | 1.40% | 7.99% | 3.76% |
| Q4 2024 | 10.80% | -0.25% | 1.88% | 11.00% | 4.36% |
| Q3 2024 | 11.03% | 0.37% | 1.88% | 11.45% | 4.64% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Axiom Bank, N.A. (main office) | Maitland , FL | 32751 | $355.7M |
| Port Orange Branch | Port Orange , FL | 32127 | $104.3M |
| Winter Park Branch | Winter Park , FL | 32789 | $48.7M |
| Axiom Bk - Winter Haven Wal-Mart Branch | Winter Haven , FL | 33880 | $46.6M |
| Saint Cloud Branch | St. Cloud , FL | 34769 | $36.9M |
| Hamlin Town Center | Winter Garden , FL | 34787 | $30.4M |
| Goldwyn Branch | Orlando , FL | 32805 | $13.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC, OCC (former OTS)); 1 against individuals associated with it
- October 3, 2024, OCC: Formal Agreement: Axiom Bank, National Association
- July 18, 2012, OCC: Formal Agreement: Urban Trust Bank
- January 11, 1995, OCC (former OTS): Supervisory Agreement: Metro Savings Bank, F.S.B.
- Period: Most recent institution action October 3, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 80 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Axiom Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Compare Axiom Bank, N.A. with peers
Frequently asked about Axiom Bank, N.A.
What are Axiom Bank, N.A.'s total assets?
As of the Q2 2026 filing, Axiom Bank, N.A. reported total assets of $732.4 million in its FFIEC call report.
Where is Axiom Bank, N.A. headquartered?
It is headquartered in Maitland, FL, United States.
When was Axiom Bank, N.A. founded?
It was established in 1962, per the FDIC institution directory.
Is Axiom Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31390). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Axiom Bank, N.A.?
Axiom Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Axiom Bank, N.A. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Axiom Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Axiom Bank, N.A. previously called?
The charter now named Axiom Bank, N.A. has also operated as Axiom Bank (2014-2017), Urban Trust Bank (2006-2014), Metro Bank, FSB (2003-2006), Metro Savings Bank, F.S.B. (1990-2003), Washington Shores Savings Bank, FSB (1984-1990), per FDIC structure-change records.
Go deeper on Axiom Bank, N.A.
Get an email when Axiom Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Axiom Bank, N.A., freeFree account