Axos Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Accumulated other comprehensive income dropped 13.0% in Q2 2026, from $25.6M to $22.3M. It was the largest change from Q1 2026 among the key lines here. Axos Bank has the 2nd lowest CET1 ratio of the 74 banks headquartered in California, at 10.93% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Axos Bank sits 2.03 points lower, at 10.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.93% |
| Tier 1 risk-based capital ratio | 10.93% |
| Total risk-based capital ratio | 12.10% |
| Tier 1 leverage ratio | 9.24% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.61B |
| Tier 1 capital | $2.61B |
| Total risk-based capital | $2.89B |
| Total equity capital | $2.81B |
| Risk-weighted assets | $23.87B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.72% |
| Tangible equity to tangible assets | 9.21% |
| Equity capital to average assets | 9.88% |
| Internal capital growth rate | 15.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.2M |
| Common stock surplus | $399.5M |
| Retained earnings | $2.37B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $22.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.70% | 11.70% | 12.67% | 9.99% | $16.31B |
| Q4 2023 | 12.02% | 12.02% | 13.00% | 10.04% | $16.71B |
| Q1 2024 | 12.24% | 12.24% | 13.25% | 9.70% | $16.99B |
| Q2 2024 | 12.52% | 12.52% | 13.59% | 9.59% | $17.13B |
| Q3 2024 | 12.67% | 12.67% | 13.86% | 9.68% | $17.32B |
| Q4 2024 | 12.49% | 12.49% | 13.67% | 9.72% | $18.12B |
| Q1 2025 | 12.20% | 12.20% | 13.38% | 10.06% | $18.93B |
| Q2 2025 | 12.42% | 12.42% | 13.70% | 10.23% | $19.00B |
| Q3 2025 | 11.37% | 11.37% | 12.62% | 9.69% | $20.70B |
| Q4 2025 | 11.12% | 11.12% | 12.37% | 9.15% | $22.10B |
| Q1 2026 | 10.90% | 10.90% | 12.13% | 9.39% | $23.34B |
| Q2 2026 | 10.93% | 10.93% | 12.10% | 9.24% | $23.87B |
Axos Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Axos Bank, freeSource: Call Report Schedule RC-R, 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 Axos Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35546) · FFIEC NIC profile (RSSD 2917317)