BlastPoint's Banking Scorecard
Axos Bank
Large
Specialty: Commercial
CA
FDIC cert 35546
San Diego, CA
69
banks in Large tier nationally
4 in CA
View Large leaderboard (CA) →
Axos Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 17.16% above tier
Key Concerns
Areas that may need attention
- - Tier 1 Capital Ratio 2.21% below tier
- - Non-Interest Income / Assets 0.93% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.2B
+19.1% YoY
+3.3% QoQ
|
-$47.7B |
$74.9B
-4.4% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$23.2B
+24.8% YoY
+8.9% QoQ
|
-$23.2B |
$46.4B
-2.1% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$23.5B
+17.0% YoY
+3.9% QoQ
|
-$37.0B |
$60.5B
-4.5% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.77%
+1.5% YoY
+7.2% QoQ
|
+0.57% |
1.19%
+17.8% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.91%
+1.2% YoY
+2.4% QoQ
|
+1.45% |
3.46%
+13.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
42.85%
+2.2% YoY
-0.9% QoQ
|
-12.18% |
55.03%
-2.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.46%
-63.6% YoY
-20.8% QoQ
|
-0.41% |
0.88%
-0.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
98.88%
+6.7% YoY
+4.8% QoQ
|
+17.16% |
81.72%
+3.9% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.18%
-5.8% YoY
-6.4% QoQ
|
-5.79% |
19.97%
+0.5% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.41%
-60.3% YoY
-16.1% QoQ
|
-0.14% |
0.55%
+9.0% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
11.12%
-11.0% YoY
-2.2% QoQ
|
-2.21% |
13.33%
-0.7% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Bottom 9% in tier |
| Non-Interest Income / Assets ? |
0.16%
+42.5% YoY
+109.6% QoQ
|
-0.93% |
1.09%
+2.4% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Large
Why this stands out
Current:
98.88%
(Tier avg: 81.72%, National avg: 78.04%)
Concerns (2)
Tier 1 Capital Ratio
metric
Bottom 9%
in Large
Why this stands out
Current:
11.12%
(Tier avg: 13.33%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Bottom 7%
in Large
Why this stands out
Current:
0.16%
(Tier avg: 1.09%, National avg: 0.65%)
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 98.88% · Tier avg: 81.72%
90
90th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.19%
88
88th pctile
Net Interest Margin
Current: 4.91% · Tier avg: 3.46%
87
87th pctile
Efficiency Ratio
Current: 42.85% · Tier avg: 55.03%
75
75th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.88%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.55%
32
32th pctile
Total Loans
Current: $23.2B · Tier avg: $46.4B
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.18% · Tier avg: 19.97%
14
14th pctile
Total Deposits
Current: $23.5B · Tier avg: $60.5B
9
9th pctile
Tier 1 Capital Ratio
Current: 11.12% · Tier avg: 13.33%
9
9th pctile
Total Assets
Current: $27.2B · Tier avg: $74.9B
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 1.09%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 1.09%
9
9th pctile
Total Assets
Current: $27.2B · Tier avg: $74.9B
9
9th pctile
Tier 1 Capital Ratio
Current: 11.12% · Tier avg: 13.33%
14
14th pctile
Total Deposits
Current: $23.5B · Tier avg: $60.5B
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.18% · Tier avg: 19.97%
32
32th pctile
Total Loans
Current: $23.2B · Tier avg: $46.4B
64
64th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.55%
75
75th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.88%
87
87th pctile
Efficiency Ratio
Current: 42.85% · Tier avg: 55.03%
88
88th pctile
Net Interest Margin
Current: 4.91% · Tier avg: 3.46%
90
90th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.19%
96
96th pctile
Loan-to-Deposit Ratio
Current: 98.88% · Tier avg: 81.72%