BlastPoint's Banking Scorecard
Axiom Bank, National Association
Community
Specialty: Commercial
FL
FDIC cert 31390
Maitland, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Axiom Bank, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.86% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1% in Community
- - Deposit Outflow: Bottom 8% in Community
- - Efficiency Drag: Bottom 17% in Community
- - Return on Assets 1.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$784.1M
-10.0% YoY
+0.5% QoQ
|
-$607.4M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$483.8M
-14.5% YoY
-2.6% QoQ
|
-$491.6M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$658.5M
-14.5% YoY
-3.3% QoQ
|
-$506.1M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
-0.33%
-204.5% YoY
-9.3% QoQ
|
-1.50% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.97%
-12.0% YoY
-1.5% QoQ
|
+0.30% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
105.96%
+21.4% YoY
+1.2% QoQ
|
+43.32% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
1.57%
-17.6% YoY
-8.5% QoQ
|
+0.94% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
73.48%
-0.0% YoY
+0.7% QoQ
|
-9.58% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
38.90%
-1.9% YoY
+1.5% QoQ
|
+17.86% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.97%
-22.6% YoY
-11.4% QoQ
|
+0.47% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-10.24% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.87%
-19.5% YoY
+19.4% QoQ
|
+0.13% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
38.90%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (4)
Capital Thin
risk
#4 of 432 · Bottom 1% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Deposit Outflow
decline
#22 of 248 · Bottom 8% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#27 of 152 · Bottom 17% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
105.96%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.33%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.90% · Tier avg: 21.05%
82
82th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
69
69th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.66%
34
34th pctile
Total Assets
Current: $784.1M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $658.5M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Loans
Current: $483.8M · Tier avg: $975.5M
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.48% · Tier avg: 83.06%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
1
1th pctile
Return on Assets
Current: -0.33% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 105.96% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 105.96% · Tier avg: 62.63%
1
1th pctile
Return on Assets
Current: -0.33% · Tier avg: 1.16%
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
25
25th pctile
Loan-to-Deposit Ratio
Current: 73.48% · Tier avg: 83.06%
28
28th pctile
Total Loans
Current: $483.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Deposits
Current: $658.5M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $784.1M · Tier avg: $1.4B
69
69th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.66%
82
82th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.90% · Tier avg: 21.05%