AXIOM BANK, NATIONAL ASSOCIATION

MAITLAND, FL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1962FDIC #31,390

Satisfactory Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.07%

Institution Profile

FDIC BankFind

Website

www.axiombanking.com

Address

258 Southhall Ln, MAITLAND, FL

County

Orange County

Established

January 1, 1962

Total Assets

$774M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 22, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jul 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$774M

Total Deposits

$679M

Net Loans

$469M

Net Income

$-131K

ROA

-0.07%

ROE

-0.59%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$699M

1-Year Change

5-year net change: -13 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	1	100%	0.00%
2021	146	32.19%	23.29%
2020	174	41.95%	33.33%
2019	548	35.77%	22.99%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2021

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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