Axos Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 6.70 percentage points in Q2 2026, from 107.24% to 100.54%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Axos Bank ranks 11th highest among the 114 banks headquartered in California, at 2.15% (Q2 2026). Against a median of 1.29% for banks in the $10B-100B asset tier, Axos Bank reported 2.15% on return on assets in Q2 2026, 0.86 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.93% |
| Tier 1 risk-based capital ratio | 10.93% |
| Total risk-based capital ratio | 12.10% |
| Tier 1 leverage ratio | 9.24% |
| Equity capital to assets | 9.72% |
| Tangible equity to tangible assets | 9.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 3.80% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 270.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.15% |
| Return on equity | 22.11% |
| Net interest margin | 4.60% |
| Efficiency ratio | 43.53% |
| Yield on earning assets | 7.20% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.54% |
| Core deposits to total deposits | 94.90% |
| Brokered deposits to total deposits | 3.84% |
| Deposits to assets | 86.01% |
| Securities to assets | 5.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.70% | 11.70% | 12.67% | 9.99% | 1.65% |
| Q4 2023 | 12.02% | 12.02% | 13.00% | 10.04% | 3.38% |
| Q1 2024 | 12.24% | 12.24% | 13.25% | 9.70% | 1.82% |
| Q2 2024 | 12.52% | 12.52% | 13.59% | 9.59% | 1.63% |
| Q3 2024 | 12.67% | 12.67% | 13.86% | 9.68% | 1.67% |
| Q4 2024 | 12.49% | 12.49% | 13.67% | 9.72% | 1.74% |
| Q1 2025 | 12.20% | 12.20% | 13.38% | 10.06% | 1.56% |
| Q2 2025 | 12.42% | 12.42% | 13.70% | 10.23% | 1.54% |
| Q3 2025 | 11.37% | 11.37% | 12.62% | 9.69% | 1.96% |
| Q4 2025 | 11.12% | 11.12% | 12.37% | 9.15% | 2.06% |
| Q1 2026 | 10.90% | 10.90% | 12.13% | 9.39% | 2.22% |
| Q2 2026 | 10.93% | 10.93% | 12.10% | 9.24% | 2.15% |
Axos Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Axos Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)