Axos Bank: 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): 38.45 percentage points higher than in Q1 2026, at 318.42%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.97B |
| Net loans and leases | $24.70B |
| Loans held for sale | $20.1M |
| Loans to total assets | 86.48% |
| Loan-to-deposit ratio | 100.54% |
| Net loans to equity capital | 8.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.84% |
| Multifamily (5+ residential) | 4.74% |
| Commercial and industrial | 11.85% |
| Consumer | 2.80% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 318.42% |
| Construction concentration (Tier 1 capital + allowance) | 42.49% |
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 | 7.46% |
| Interest income on loans | $411.1M |
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 | $17.11B | $17.72B | 10.44% | 5.01% | 2.98% |
| Q4 2023 | $17.60B | $18.30B | 10.21% | 5.61% | 2.75% |
| Q1 2024 | $18.08B | $19.23B | 9.66% | 7.07% | 2.51% |
| Q2 2024 | $18.58B | $19.49B | 9.30% | 7.91% | 2.33% |
| Q3 2024 | $18.66B | $20.18B | 9.27% | 8.64% | 2.24% |
| Q4 2024 | $18.83B | $20.09B | 10.45% | 8.85% | 2.24% |
| Q1 2025 | $19.53B | $20.33B | 10.93% | 9.35% | 2.32% |
| Q2 2025 | $20.03B | $21.04B | 12.41% | 8.22% | 2.48% |
| Q3 2025 | $21.61B | $22.62B | 12.35% | 11.07% | 2.52% |
| Q4 2025 | $23.51B | $23.51B | 13.07% | 11.28% | 2.60% |
| Q1 2026 | $24.33B | $22.68B | 13.77% | 11.31% | 2.66% |
| Q2 2026 | $24.97B | $24.83B | 12.84% | 11.85% | 2.80% |
Axos Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Axos Bank, 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 Axos Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35546) · FFIEC NIC profile (RSSD 2917317)