Axiom Bank, National Association: how it compares with its peers
Against 26 FL banks with half to twice its assets, Axiom Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.04% vs. a 3.67% peer median). Its weakest relative measure is efficiency ratio (112.31% vs. 61.83%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.17% | 1.08% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.67% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 112.31% | 61.83% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $8.4M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.79% | 76.60% | Context |
What it means for lending operations
Its efficiency ratio of 112.31% is above the 61.83% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Florida Capital Bank, National Association Jacksonville, FL · $713M
- Flagship Bank Clearwater, FL · $803M
- Anchor Bank Palm Beach Gardens, FL · $806M
- First Bank Clewiston, FL · $811M
- FNBT BANK Fort Walton Beach, FL · $629M
- Sunrise Bank Orlando, FL · $623M
Questions about Axiom Bank, National Association
How big is Axiom Bank, National Association?
Axiom Bank, National Association, established in 1962, is headquartered in Maitland, FL. It reported $732M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Axiom Bank, National Association's return on assets?
0.17% annualized in Q2 2026, against a 1.08% median for 26 FL banks with half to twice its assets, ahead of 12% of them.
What is Axiom Bank, National Association's efficiency ratio?
112.31% in Q2 2026: it spent about 112 cents in noninterest expense for each dollar of revenue. The peer median is 61.83%, and lower is better.
Is Axiom Bank, National Association growing its loans?
Net loans shrank 9.1% over the year to Q2 2026, while deposits shrank 9.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.