🏦Bank Scorer

AXOS BANK

SAN DIEGO, CA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2000FDIC #35,546
Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.18%

Institution Profile

FDIC BankFind

Address

4350 La Jolla Village Dr, SAN DIEGO, CA

County

San Diego County

Established

July 4, 2000

Total Assets

$28.2B(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

April 24, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$28.2B

Total Deposits

$22.7B

Net Loans

$24.1B

Net Income

$151M

ROA

2.18%

ROE

22.72%

Risk-Based Capital

12.13%

Regulatory minimum: 8%

Peer Comparison

Regional banks

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

Mortgage Denial Rate20.95%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$21.0B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,04832.47%20.95%
20232,56730.31%24.81%
20224,71735.45%20.35%
20218,78945.16%11.49%
20209,26250.25%10.89%
20195,24351.42%15.49%
20187,22050.65%16.59%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2013

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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