258 Southhall Ln
Maitland, FL 32751
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ACH 263184815
Phone 800-584-0015
Axiom Bank, National Association is an FDIC insured institution located in Maitland, FL. It was founded in 1962 and has approximately $0.84 billion in assets. Customers can open an account at one of its 8 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 31390 |
| Date Established | 1962 |
| Assets | $ 836.69 million |
| Loans | $ 553.90 million |
| Deposits | $ 715.70 million |
| Capital | $ 88.76 million |
For a more detailed analysis of Axiom Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Your Current Location: Ohio, OH 43085
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Axiom Bank, National Association
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 401822 |
6.932% |
6.750% 0.88 points $6,000 fees |
$2,076 | Learn More |
NMLS ID: 3030 |
7.463% |
7.375% 0.88 points $2,800 fees |
$2,211 | Learn More |
NMLS ID: Not a Lender |
points fees |
Learn More | ||
NMLS ID: Not a Lender |
points fees |
Learn More |
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Axiom Bank, National Association
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Your Location:
Columbus,Ohio
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The following ratios and data are available to help you better understand the financial condition of Axiom Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
| Axiom Bank, National Association | U.S. Bank Average |
|---|---|
| 3.06% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2024, Axiom Bank, National Association had $2,822,000 in non-current loans and $104,000 in owned real estate. To cover these potential losses it had $88,755,000 in equity and $6,831,000 in loans loss reserves. That gives it a Texas Ratio of 3.06%.
| Axiom Bank, National Association | U.S. Bank Average |
|---|---|
| 1.73% | 12.20% |
Axiom Bank, National Association has a Return on Equity of 1.73% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
| Axiom Bank, National Association | U.S. Bank Average |
|---|---|
| 10.61% | 10.76% |
Axiom Bank, National Association has a Capitalization of 10.61% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
As of December 31, 2023, Axiom Bank, National Association had assets of $836,693,000, loans of $553,900,000, and deposits of $715,696,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 194.98 million |
| Interest-bearing balances | $ 188.45 million |
| Total securities | $ 48.53 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 553.90 million |
| Loan loss allowance | $ 6.83 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.10 million |
| Goodwill and other intangibles | $ 1.16 million |
| All other assets | $ 19.18 million |
| Total Assets | $ 747.94 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 715.70 million |
| Interest-bearing deposits | $ 463.12 million |
| Deposits held in domestic offices | $ 715.70 million |
| % insured (estimated) | 63.06% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 10.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.92 million |
| Total Liabilities | $ 747.94 million |
| Shareholders’ Equity | $ 88.76 million |
| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 45.56 million |
| Total Interest Expense | $ 14.35 million |
| Net interest income | $ 31.20 million |
| Provision for loan and lease losses | $ 1.14 million |
| Total non interest income | $ 7.14 million |
| Total non interest expense | $ 35.44 million |
| Pre-tax Net Operating Income | $ 1.18 million |
The top three loan types in Axiom Bank, National Association’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.
Compared to other banks in Florida, Axiom Bank, National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 9.93 | ✓ | ||
| Multifamily Mortgages |
0.73 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.00 | ✓ | ||
| Small Business Loans | 1.48 | ✓ | ||
| Construction and Development Loans | 4.21 | ✓ | ||
| Commercial Real Estate | 27.13 | ✓ | ||
| Commercial and Industrial Loans | 20.95 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
*Should any logos, images or public notes appear on this page,they do so courtesy of Axiom Bank, National Association and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.
Customer Reviews for Axiom Bank, National Association (5)
Sara Jennings
December 26, 2021 | | Replies 1
SJennings
Is this review helpful? Yes:2 / No: 0
| Apr 16, 2024
So happy Axiom finally made executive changes and are back to real banking and great Florida rates and service.
Brian Kelly
December 4, 2021
Unlike the past two years, Axiom Bank has all new executives with deep banking experience. They have quickly turned around the retail business with top CD rates and better customer service! Because they are a smaller community bank, BestCashCow will not remote their rates!
Is this review helpful? Yes:2 / No: 0
Mark-Winter Park, Florida
November 21, 2021 |
Axiom Bank is one of the best banks in Florida! Unbelievable rates only require a $500 deposit compared to all our banks. They care about the working-class folks.
Is this review helpful? Yes:2 / No: 0
green
November 12, 2021
Wait they have a .85% rates Cash Cow is wrong?
Is this review helpful? Yes:2 / No: 0
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