Axos Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Axos Bank of San Diego, CA against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.15% | 1.34% | +0.81% | 94th top |
| ROAE | 22.11% | 12.25% | +9.86% | 91st top |
| Net Interest Margin | 4.60% | 3.68% | +0.92% | 90th top |
| Efficiency Ratio | 43.53% | 53.86% | -10.33% | 81st top |
| PPNR / Avg Assets | 2.65% | — | — | 86th top |
| Yield on Earning Assets | 7.20% | 5.58% | +1.62% | 93rd top |
| Cost of Funds | 2.34% | 1.99% | +0.35% | 30th below |
| Net Interest Spread | 3.96% | — | — | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.44% | 1.09% | -0.65% | 76th top |
| NPA / Total Assets | 0.38% | — | — | 63rd above |
| NCO / Avg Loans | 0.10% | 0.36% | -0.26% | 57th above |
| ACL / Total Loans | 1.06% | — | — | 35th below |
| ACL / NPLs (Coverage) | 238.64% | — | — | 70th above |
| Texas Ratio | 3.80% | 5.43% | -1.63% | 60th above |
| Provision / NCO | -54.74% | — | — | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.93% | 14.50% | -3.57% | 3rd bottom |
| Tier 1 Ratio | 10.93% | 14.60% | -3.67% | 3rd bottom |
| Total Capital Ratio | 12.10% | — | — | 4th bottom |
| Leverage Ratio | 9.24% | 10.26% | -1.02% | 21st bottom |
| Equity / Assets | 9.72% | 11.55% | -1.83% | 24th bottom |
| TCE / Tangible Assets | 9.21% | — | — | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.54% | 83.97% | +16.57% | 9th bottom |
| Core Deposit Ratio | 94.90% | 86.78% | +8.12% | 78th top |
| Uninsured Deposit Ratio | 21.23% | 38.93% | -17.70% | 82nd top |
| Wholesale Funding Ratio | 2.53% | — | — | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.82% | — | — | 84th top |
| Loan Growth (Y/Y) | 24.64% | — | — | 85th top |
| Deposit Growth (Y/Y) | 18.03% | — | — | 82nd top |
See Axos Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Axos Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Axos Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Axos Bank peer analysis.