Axiom Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.61 percentage points higher than in Q1 2026, at 163.46%. Within Florida, Axiom Bank, N.A. is 35th of 81 on loan-to-deposit ratio, 78.47% as of Q2 2026, above the middle of the field. At 78.47%, Axiom Bank, N.A.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $499.4M |
| Net loans and leases | $495.1M |
| Loans held for sale | $0 |
| Loans to total assets | 68.19% |
| Loan-to-deposit ratio | 78.47% |
| Net loans to equity capital | 5.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.90% |
| Multifamily (5+ residential) | 4.58% |
| Commercial and industrial | 50.70% |
| Consumer | 8.53% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 163.46% |
| Construction concentration (Tier 1 capital + allowance) | 26.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $9.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $519.6M | $730.0M | 27.18% | 25.79% | 12.84% |
| Q4 2023 | $560.7M | $715.7M | 23.90% | 32.47% | 11.54% |
| Q1 2024 | $582.8M | $752.5M | 22.51% | 34.34% | 10.65% |
| Q2 2024 | $589.6M | $753.1M | 21.63% | 36.84% | 10.05% |
| Q3 2024 | $597.9M | $713.2M | 19.74% | 36.73% | 9.53% |
| Q4 2024 | $574.3M | $770.2M | 19.97% | 39.21% | 9.62% |
| Q1 2025 | $558.2M | $762.0M | 18.00% | 42.82% | 9.53% |
| Q2 2025 | $552.4M | $699.3M | 18.69% | 44.27% | 9.19% |
| Q3 2025 | $504.3M | $681.2M | 24.69% | 37.45% | 9.64% |
| Q4 2025 | $491.3M | $658.5M | 26.12% | 44.50% | 9.48% |
| Q1 2026 | $474.8M | $679.2M | 22.75% | 45.83% | 9.40% |
| Q2 2026 | $499.4M | $636.4M | 23.90% | 50.70% | 8.53% |
Axiom Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Axiom Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Axiom Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31390) · FFIEC NIC profile (RSSD 408875)