FDIC certificate 35546
Axos Bank
San Diego, California · 4350 La Jolla Village Dr 92122
Hunter Score
This bank ranks high against banks of a similar size.
Down 1 point from last quarter.
Compared with 110 banks with $10 billion to $50 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Axos Bank has a Hunter Score of 86 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks high against banks of a similar size. The comparison is with banks with $10 billion to $50 billion in assets.
The FDIC reported return on equity of 22.41% (field ROE). Among banks with $10 billion to $50 billion in assets, the peer rank for this measure is 93 out of 100. A rank of 50 is typical.
The FDIC reported noncurrent loans of 0.44% (field NCLNLSR). Among banks with $10 billion to $50 billion in assets, the peer rank for this measure is 74 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in California with $10 billion to $50 billion in assets, ordered by Hunter Score.
- Cathay Bank64out of 100
- Citizens Business Bank, National Association53out of 100
- Mechanics Bank42out of 100
- Farmers and Merchants Bank of Long Beach35out of 100
- Bank of America California, National Association33out of 100
Top Hunter Scores in California · Top scores with $10 billion to $50 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
22.41%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 93 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
2.16%
Profit for each dollar of assets. Higher is stronger.
Peer rank 92 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
4.69%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 89 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
42.30%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 82 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.44%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 74 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202686 out of 100
- Q1 2026, ending March 31, 202687 out of 100
- Q4 2025, ending December 31, 202583 out of 100
- Q3 2025, ending September 30, 202580 out of 100
- Q2 2025, ending June 30, 202578 out of 100
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About this bank
- Total assets
- $28.9 billion
- Deposits
- $24.8 billion
- Equity
- $2.8 billion
- Tangible equity
- $2.7 billionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 3
- Charter
- Savings bank
- Specialty
- Commercial Lending Specialization
- Community bank
- No
- Net income
- $303.2 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Axos Financial Inc, Las Vegas, NV. Federal Reserve RSSD 3814310.
Stock symbol AX on NYSE. We matched the holding company's name to one SEC filing. Checked 2026-10-24. We do not show stock prices. Check the price on Yahoo Finance, then type it into the calculator below.
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Price-to-tangible-book calculator
This calculator estimates a fair multiple of tangible book value from the bank's return on equity. It is separate from the Hunter Score. It is not a price target.
Where it is
4350 La Jolla Village Dr, San Diego, CA 92122
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.