Total Assets
$784M
Total balance-sheet footings
FDIC Cert #31390 · Maitland, Florida · Est. 1962
Axiom Bank, National Association - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $784M
- Total assets
- D
- Health grade · Weak
- -0.33%
- Return on assets
- 11.3%
- Tier 1 capital
Data updated July 2026
The verdict
Axiom Bank, National Association earns a PlainBankData health grade of D (44/100), with well-capitalized at 11.33% Tier 1, -0.33% ROA, 108% efficiency ratio.
- #1,277
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 11.33%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Axiom Bank, National Association's 44/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Axiom Bank, National Association's composite health score
Tier 1 Capital Ratio (11.33%) 28/40
Return on Assets (ROA) (-0.33%) 0/25
Texas Ratio (7.79%) 16/20
Efficiency Ratio (107.87%) 0/15
44 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$658M
Customer-funded liabilities
Net Loans
$484M
Outstanding loan book
Net Income
$-2,752K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Axiom Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Axiom Bank, National Association's score of 44/100 falls in the highlighted band.
Axiom Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Axiom Bank, National Association's $784M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.33%
Texas Ratio
7.79%
Equity Capital
$90M
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.33%
Return on Equity (ROE)
-3.01%
Efficiency Ratio
107.87%
What the numbers say about Axiom Bank, National Association
Axiom Bank, National Association is an FDIC-insured institution (Certificate #31390) headquartered in Maitland, Florida, established in 1962. It holds $784M in total assets - 1,277th of 4,313 FDIC-insured banks, $658M in customer deposits, and $484M in net loans. Capital-wise, the Tier 1 ratio sits at 11.33%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.79%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (44 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Axiom Bank, National Association sits 40th of 83 banks headquartered in Florida by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$47M
Interest Income
$6M
Non-Interest Income
$41M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Axiom Bank, National Association reports a Texas Ratio of 7.79% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.79% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Axiom Bank, National Association
Axiom Bank, National Association's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-2,752K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Axiom Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Axiom Bank, National Association (FDIC Cert #31390) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Axiom Bank, National Association's health grade?▼
Axiom Bank, National Association receives a health grade of D (44/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Axiom Bank, National Association?▼
Axiom Bank, National Association holds $784M in total assets and $658M in deposits, ranking 1,277th of 4,313 FDIC-insured banks by asset size. It is headquartered in Maitland, Florida.
Is my money safe at Axiom Bank, National Association?▼
Yes, deposits at Axiom Bank, National Association (Certificate #31390) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Axiom Bank, National Association's Tier 1 Capital Ratio?▼
Axiom Bank, National Association has a Tier 1 Capital Ratio of 11.33%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Axiom Bank, National Association?▼
Axiom Bank, National Association has a Texas Ratio of 7.79%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Axiom Bank, National Association?▼
Axiom Bank, National Association has an Efficiency Ratio of 107.87%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Axiom Bank, National Association's profile as a depositor or analyst.
- Axiom Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Axiom Bank, National Association against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.