Axiom Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1272.12 percentage points higher than in Q1 2026, at 1353.63%. Within Florida, Axiom Bank, N.A. is 69th of 79 on return on assets, 0.40% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Axiom Bank, N.A. reported 0.40% on return on assets in Q2 2026, 0.85 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.69% |
| Equity capital to assets | 12.17% |
| Tangible equity to tangible assets | 12.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.34% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 1353.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.40% |
| Return on equity | 3.44% |
| Net interest margin | 4.29% |
| Efficiency ratio | 106.20% |
| Yield on earning assets | 6.20% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.47% |
| Core deposits to total deposits | 80.11% |
| Brokered deposits to total deposits | 4.92% |
| Deposits to assets | 86.90% |
| Securities to assets | 18.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.82% | 14.82% | 15.95% | 10.87% | 0.58% |
| Q4 2023 | 14.24% | 14.24% | 15.40% | 10.72% | 0.36% |
| Q1 2024 | 13.57% | 13.57% | 14.83% | 10.58% | 0.30% |
| Q2 2024 | 13.38% | 13.38% | 14.58% | 10.55% | 0.86% |
| Q3 2024 | 13.41% | 13.41% | 14.63% | 11.03% | 0.37% |
| Q4 2024 | 13.86% | 13.86% | 15.11% | 10.80% | -0.25% |
| Q1 2025 | 14.37% | 14.37% | 15.62% | 10.68% | 0.04% |
| Q2 2025 | 14.64% | 14.64% | 15.89% | 10.99% | -0.40% |
| Q3 2025 | 15.40% | 15.40% | 16.65% | 10.98% | -0.57% |
| Q4 2025 | — | — | — | 11.33% | -0.43% |
| Q1 2026 | — | — | — | 11.06% | -0.07% |
| Q2 2026 | — | — | — | 11.69% | 0.40% |
Axiom Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Axiom Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)