Axos Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.10% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 4.10% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 10.93% +4.43 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $2.61B | 2,609,003 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.87B | 23,872,574 | RCOAA223 |
| Recomputed ratio | 10.93% | numerator / denominator | |
| Filed ratio | 10.93% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.43 pp | $1.06B | capital that could be lost first |
Tier 1 risk-based capital ratio 10.93% +2.93 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $2.61B | 2,609,003 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.87B | 23,872,574 | RCOAA223 |
| Recomputed ratio | 10.93% | numerator / denominator | |
| Filed ratio | 10.93% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.93 pp | $699.2M | capital that could be lost first |
Total risk-based capital ratio 12.10% +2.10 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $2.89B | 2,888,379 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.87B | 23,872,574 | RCOAA223 |
| Recomputed ratio | 12.10% | numerator / denominator | |
| Filed ratio | 12.10% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.10 pp | $501.1M | capital that could be lost first |
Tier 1 leverage ratio 9.24% +4.24 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $2.61B | 2,609,003 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $28.25B | 28,249,246 | RCOAA224 |
| Recomputed ratio | 9.24% | numerator / denominator | |
| Filed ratio | 9.24% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.24 pp | $1.20B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 411,671 | 411,671 | 411,671 | 411,671 | 411,671 | 411,671 | RCOAP742 |
| Retained earnings | 2,372,159 | 2,269,764 | 2,168,920 | 2,080,061 | 2,022,777 | 1,974,184 | RCOAKW00 |
| Accumulated other comprehensive income | 22,275 | 25,598 | 23,446 | 42,841 | 55,488 | 58,875 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,806,105 | 2,707,033 | 2,604,037 | 2,534,573 | 2,489,936 | 2,444,730 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (197,102) | (162,699) | (146,349) | (181,092) | (129,652) | (135,547) | P859 - P840 |
| Common equity Tier 1 capital | 2,609,003 | 2,544,334 | 2,457,688 | 2,353,481 | 2,360,284 | 2,309,183 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,609,003 | 2,544,334 | 2,457,688 | 2,353,481 | 2,360,284 | 2,309,183 | RCOA8274 |
| Tier 2 capital | 279,376 | 286,277 | 276,348 | 258,848 | 243,305 | 223,933 | RCOA5311 |
| Allowance includable in Tier 2 capital | 279,376 | 286,277 | 276,348 | 258,848 | 243,305 | 223,933 | RCOA5310 |
| Total capital | 2,888,379 | 2,830,611 | 2,734,036 | 2,612,329 | 2,603,589 | 2,533,116 | RCOA3792 |
| Total risk-weighted assets | 23,872,574 | 23,344,806 | 22,104,988 | 20,701,053 | 19,003,094 | 18,933,142 | RCOAA223 |
| Average total assets for the leverage ratio | 28,249,246 | 27,086,108 | 26,872,752 | 24,297,872 | 23,077,089 | 22,954,575 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $1.12B | $107.1M | 9.55% | 0.45% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $800.8M | $13.6M | 1.69% | 0.06% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $4.08B | $2.07B | 50.72% | 8.67% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $52.1M | $78.1M | 150.00% | 0.33% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $17.12B | $17.01B | 99.40% | 71.27% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.29B | $1.29B | 99.94% | 5.40% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.99B | $1.98B | 99.49% | 8.30% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $88.3M | $21.0M | 23.78% | 0.09% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.30B | NA | 5.43% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $22.58B | ties to item 31 ($22.58B) |
|---|---|---|
| Risk-weighted assets before deductions | $23.87B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $23.87B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 10.93% | 10.93% | 12.10% | 9.24% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 10.90% | 10.90% | 12.13% | 9.39% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 11.12% | 11.12% | 12.37% | 9.15% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 11.37% | 11.37% | 12.62% | 9.69% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.42% | 12.42% | 13.70% | 10.23% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.20% | 12.20% | 13.38% | 10.06% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.49% | 12.49% | 13.67% | 9.72% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 12.67% | 12.67% | 13.86% | 9.68% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 12.52% | 12.52% | 13.59% | 9.59% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.24% | 12.24% | 13.25% | 9.70% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.02% | 12.02% | 13.00% | 10.04% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 11.70% | 11.70% | 12.67% | 9.99% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Axos Bank (this bank) | Risk-based | 10.93% | 10.93% | 12.10% | 9.24% | |
| United Community Bank | $28.99B | Risk-based | 12.09% | 12.09% | 12.93% | 9.52% |
| City National Bank of Florida | $29.11B | Risk-based | 14.65% | 14.65% | 15.75% | 11.38% |
| Sallie Mae Bank | $28.54B | Risk-based | 11.78% | 11.78% | 13.09% | 10.17% |
| Ameris Bank | $28.42B | Risk-based | 13.01% | 13.01% | 14.27% | 11.41% |
| Arvest Bank | $28.05B | Risk-based | 11.45% | 11.45% | 12.48% | 9.11% |
| WesBanco Bank, Inc. | $27.75B | Risk-based | 12.24% | 12.24% | 13.28% | 10.25% |
| WaFd Bank | $27.58B | Risk-based | 12.95% | 12.95% | 14.14% | 9.21% |
| BNY Mellon, N.A. | $30.62B | Risk-based | 15.96% | 15.96% | 17.86% | 6.52% |
| Renasant Bank | $26.99B | Risk-based | 12.41% | 12.41% | 13.67% | 10.72% |
| Peer 25th percentile | 12.09% | 12.09% | 13.09% | 9.21% | ||
| Peer median | 12.41% | 12.41% | 13.67% | 10.17% | ||
| Peer 75th percentile | 13.01% | 13.01% | 14.27% | 10.72% | ||
| This bank's percentile | 0 | 0 | 0 | 33 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2917317/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.