Axos Bank

4350 La Jolla Village Drive, Suite 140
San Diego, CA 92122


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35546
Date Established 2000
Assets $9.77 billion
Loans $8.69 billion
Deposits $6.18 billion
Capital $0.94 billion

Axos Bank is an FDIC insured institution located in San Diego, CA. It was founded in 2000 and has approximately $9.77 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Axos Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Axos Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Commercial Real Estate.

Compared to other banks in California, Axos Bank has a significantly higher percent of 1-4 Family Residential 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 53.41
Credit Card Loans 0.00
Consumer Auto Loans 2.67
Small Business Loans 0.28
Construction and Development Loans 5.72
Commercial Real Estate 7.91
Commercial and Industrial Loans 7.68
Farm Loans 0.00

Deposit Rates - January 16, 2019

Your Current Location: Virginia, VA 20146

Online Only CD Rates of Bank of Internet

Online CD Rates APY MIN MAX
3 Month CD
0.55% $1,000 - Learn MoreShow Less
6 Month CD
0.75% $1,000 - Learn MoreShow Less
One Year CD
1.00% $1,000 - Learn MoreShow Less
24 Month CD
1.20% $1,000 - Learn MoreShow Less
36 Month CD
1.30% $1,000 - Learn MoreShow Less
48 Month CD
1.40% $1,000 - Learn MoreShow Less
60 Month CD
2.25% $1,000 - Learn MoreShow Less
There are currently no rates available for Axos Bank, but see these great savings and CD rates:

Advertiser Disclosure
Checking Rates APY MIN FEE
Rewards Checking 0.31% $0 $0.00 Learn MoreShow Less

Bank Online Offers

Loan Rates - January 16, 2019

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Axos Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Axos Bank Locations

Financial Details

Axos Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Axos Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Axos Bank U.S. Bank Average
4.09% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2018, Axos Bank had $31,155,000 in non-current loans and $9,397,000 in owned real estate. To cover these potential losses it had $942,097,000 in equity and $50,120,000 in loans loss reserves. That gives it a Texas Ratio of 4.09%.

Return on Equity
Axos Bank U.S. Bank Average
20.18% 9.95%

Axos Bank has a Return on Equity of 20.18% versus the BestCashCow average of 9.95%. 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.

Axos Bank U.S. Bank Average
9.64% 12.19%

Axos Bank has a Capitalization of 9.64% versus the BestCashCow average of 12.19. 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.

Axos Bank Balance Sheet Analysis

As of September 30, 2018, Axos Bank had assets of $9,771,003,000, loans of $8,691,476,000, and deposits of $6,180,067,000. 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.

Summary Balance Sheet

September 30, 2018
Cash & Balances due from depository institutions $0.53 billion
Interest-bearing balances $0.53 billion
Total securities $0.20 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $8.69 billion
Loan loss allowance $0.05 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.08 billion
All other assets $0.23 billion
     Total Assets $8.83 billion
Total deposits $6.18 billion
      Interest-bearing deposits $5.31 billion
      Deposits held in domestic offices $6.18 billion
      % insured (estimated) 83.41%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $2.58 billion
Subordinated debt $0.00 billion
All other liabilities $0.07 billion
      Total Liabilities $8.83 billion
      Shareholders’ Equity $0.94 billion

Summary Income Statement

September 30, 2018
Total Interest Income $0.39 billion
Total Interest Expense $0.09 billion
Net interest income $0.30 billion
Provision for loan and lease losses $0.02 billion
Total non interest income $0.05 billion
Total non interest expense $0.13 billion
Pre-tax Net Operating Income $0.20 billion

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