Axos Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 70.0% lower than in Q1 2026, at $730.7M. Within California, Axos Bank is 22nd of 114 on loan-to-deposit ratio, 100.54% as of Q2 2026. Axos Bank reported 100.54% on loan-to-deposit ratio for Q2 2026, 13.66 points above the 86.87% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.12B |
| Cash and noninterest-bearing balances to assets | 3.88% |
| Cash and securities | $2.69B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $730.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.54% |
| Net loans and leases to deposits | 99.47% |
| Loans and leases to core deposits | 101.82% |
| Core deposits to total deposits | 94.90% |
| Brokered deposits to total deposits | 3.84% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 96.58% | 87.41% | $0 | $90.0M |
| Q4 2023 | 96.17% | 88.19% | $0 | $90.0M |
| Q1 2024 | 94.01% | 88.49% | $0 | $90.0M |
| Q2 2024 | 95.30% | 89.83% | $0 | $90.0M |
| Q3 2024 | 92.50% | 91.06% | $0 | $90.0M |
| Q4 2024 | 93.73% | 90.48% | $0 | $60.0M |
| Q1 2025 | 96.05% | 89.57% | $0 | $60.0M |
| Q2 2025 | 95.21% | 89.92% | $0 | $60.0M |
| Q3 2025 | 95.53% | 89.07% | $0 | $854.8M |
| Q4 2025 | 100.03% | 90.93% | $0 | $751.5M |
| Q1 2026 | 107.24% | 89.83% | $0 | $2.44B |
| Q2 2026 | 100.54% | 94.90% | $0 | $730.7M |
Axos Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Axos Bank, freeSource: Call Report Schedules RC and RC-M, 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)