FDIC Cert #35546 · San Diego, California · Est. 2000

Axos Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$27.2B
Total assets
A
Health grade · Excellent
1.77%
Return on assets
11.1%
Tier 1 capital

Data updated July 2026

The verdict

Axos Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.12% Tier 1, profitable at 1.77% ROA, efficient (43% cost ratio).

#80
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
11.12%
Tier 1 ratio - above the 10% well-capitalized line
84th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 35546 · CA A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #850/4307
  • PHOTO-FINISH Bank of Brookhaven · MS
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-STRONG 1.77% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Bank of Brookhaven, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Axos Bank

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Axos Bank · CA · this bank88/100Bank of Brookhaven · MS · ne…88/100Oak Bank · WI · near88/100OptimumBank · FL · near88/100United National Bank · GA · …88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Axos Bank · July 2026

Call Report read for Axos Bank in a high-failure state

Axos Bank (FDIC Cert #35546) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #850 of 4,307. Tier 1 capital prints at 11.12%, clearing the 10% well-capitalized line. The Texas Ratio is 3.76%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.77%. Balance-sheet scale is $27.2B, 80th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Brookhaven (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Axos Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Axos Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Axos Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Axos Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Axos Bank's composite health score
Tier 1 Capital Ratio (11.12%) 28/40
Return on Assets (ROA) (1.77%) 25/25
Texas Ratio (3.76%) 20/20
Efficiency Ratio (42.85%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$27.2B

Total balance-sheet footings

Total Deposits

$23.5B

Customer-funded liabilities

Net Loans

$23.2B

Outstanding loan book

Net Income

$436M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.72% 11.12% 12.52%
Basel III capital ratios - Axos Bank

Where Axos Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Axos Bank's score of 88/100 falls in the highlighted band.

Axos Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Axos Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Axos Bank'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). Axos Bank's $27.2B falls in the highlighted band.

Capital & credit buffers at Axos Bank

Tier 1 capital ratio
Well-capitalized 10%

11.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.12%
Texas Ratio
3.76%
Equity Capital
$2.6B

What these ratios mean →

Earnings posture at Axos Bank

Return on Assets (ROA)
84th percentile nationally
1.77%
Return on Equity (ROE)
17.54%
Efficiency Ratio
42.85%

What these mean →

Income & expense at Axos Bank

$1.8B
Interest Income
$44M
Non-Interest Income
$518M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Axos Bank reports a Texas Ratio of 3.76% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.76% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Axos Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Axos Bank by assets

Axos Bank is closely matched in total assets by WaFd Bank, Charles Schwab Premier Bank, SSB, Ameris Bank, WesBanco Bank, Inc. across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.05%, versus Axos Bank's own 1.77%; the average efficiency ratio is 53.18%, versus 42.85% here; and average Tier 1 capital sits at 17.39%, versus 11.12% at Axos Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $27.2B in assets, Axos Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Axos Bank nationally by total assets
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

  3. 3
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  4. 4
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  5. 5
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  6. 6
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Axos Bank (this bank) CA $27.2B 1.77% 42.85% 11.12%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Charles Schwab Premier Bank, SSB TX $27.0B 1.47% 15.30% 42.00%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%
WesBanco Bank, Inc. WV $27.6B 0.91% 57.60% 12.06%
Renasant Bank MS $26.7B 0.89% 61.24% 12.00%
Arvest Bank AR $27.8B 0.49% 83.77% 11.41%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($27.2B here), outside California so the neighborhood is not state containment.

WaFd Bank $27.3B · WA Charles Schwab Premier Bank, SSB $27.0B · TX Ameris Bank $27.4B · GA WesBanco Bank, Inc. $27.6B · WV

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Axos Bank (FDIC Cert #35546) - 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.

Axos Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%
Bank of America California, National AssociationSan Francisco $15.5B A 0.54%