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Axos Bank
San Diego, CA·FDIC Cert #35546·Charter: OCC·Est. 20000704.0·HC: AXOS FINANCIAL INC
Total Assets
$27.2B
Q4 2025
Return on Assets
1.77%
+0.12%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
42.85%
Peer avg: 52.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.77%+0.12
ROE
17.54%+1.41
Efficiency
42.85%-0.40
Equity/Assets
0.00%+0.00
NPL Ratio
0.46%-0.12
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.88%+4.50
Charge-offs
0.12%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.8 | 1.8 | 1.7 | 1.7 | 1.6 | 1.5 | 1.6 | 1.8 |
| ROE | 18.4 | 17.4 | 17.1 | 17.1 | 14.8 | 14.6 | 16.1 | 17.5 |
| Efficiency | 41.1 | 42.4 | 42.5 | 41.9 | 43.1 | 43.4 | 43.3 | 42.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.0 | 0.7 | 1.1 | 1.3 | 0.7 | 0.6 | 0.6 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 |
| Loan/Deposit | 93.0 | 94.3 | 91.5 | 92.7 | 94.9 | 94.0 | 94.4 | 98.9 |
Balance Sheet
Total Assets$27.2B
Total Deposits$23.5B
Total Loans$23.2B
Total Equity$2.6B
Profitability
ROA1.77%
ROE17.54%
Efficiency Ratio42.85%
Net Income$436.3M
Risk & Asset Quality
NPL Ratio0.46%
Charge-off Rate0.12%
Loan/Deposit98.88%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans