Axiom Bank, National Association (FDIC certificate #31390) is based in Maitland, Florida. Its Q2 2026 call report shows $732.4M in total assets and $636.4M in deposits and 7 offices.
Based on its Q2 2026 filing, Axiom Bank, National Association scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 49th. Its strongest component is problem-loan coverage (99/100; 0.3%), and its lowest is earnings (27/100; 0.17%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (56 → 67), mostly because the loan quality component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 50 |
| Q4 2024 | 49 |
| Q1 2025 | 52 |
| Q2 2025 | 56 |
| Q3 2025 | 47 |
| Q4 2025 | 49 |
| Q1 2026 | 51 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.55% |
| Q3 2024 | 11.03% |
| Q4 2024 | 10.80% |
| Q1 2025 | 10.68% |
| Q2 2025 | 10.99% |
| Q3 2025 | 10.98% |
| Q4 2025 | 11.33% |
| Q1 2026 | 11.06% |
| Q2 2026 | 11.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.16% |
| Q3 2024 | 1.88% |
| Q4 2024 | 1.88% |
| Q1 2025 | 1.40% |
| Q2 2025 | 0.82% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.56% |
| Q2 2026 | 0.06% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.04% |
| Q2 2025 | -0.17% |
| Q3 2025 | -0.31% |
| Q4 2025 | -0.33% |
| Q1 2026 | -0.07% |
| Q2 2026 | 0.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $732.4M | 11.69% | 0.06% | 0.17% | 77.8% |
| Q1 2026 | 51 | $774.3M | 11.06% | 1.56% | -0.07% | 69.0% |
| Q4 2025 | 49 | $784.1M | 11.33% | 1.54% | -0.33% | 73.5% |
| Q3 2025 | 47 | $780.1M | 10.98% | 1.69% | -0.31% | 73.0% |
| Q2 2025 | 56 | $828.6M | 10.99% | 0.82% | -0.17% | 77.9% |
| Q1 2025 | 52 | $861.2M | 10.68% | 1.40% | 0.04% | 72.2% |
| Q4 2024 | 49 | $870.7M | 10.80% | 1.88% | 0.32% | 73.5% |
| Q3 2024 | 50 | $815.1M | 11.03% | 1.88% | 0.51% | 82.8% |
| Q2 2024 | 47 | $852.0M | 10.55% | 2.16% | 0.58% | 77.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Florida Capital Bank, National AssociationBank Jacksonville, FL | 64 out of 100, Moderate | $713.1M | 9.8% | 0.16% | vs |
| Flagship BankBank Clearwater, FL | 72 out of 100, Strong | $802.8M | 11.7% | 0.02% | vs |
| Anchor BankBank Palm Beach Gardens, FL | 75 out of 100, Strong | $805.5M | 8.8% | 0.15% | vs |
| First BankBank Clewiston, FL | 71 out of 100, Strong | $810.5M | 9.7% | 0.31% | vs |
| Fnbt BankBank Fort Walton Beach, FL | 79 out of 100, Strong | $628.5M | 11.1% | 0.00% | vs |
| Sunrise BankBank Orlando, FL | 68 out of 100, Moderate | $622.9M | 9.5% | 0.10% | vs |
Deposit insurance
Is my money safe at Axiom Bank, National Association?
Yes. Axiom Bank, National Association is an FDIC-insured institution (FDIC certificate #31390). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.8% of deposits ($291.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
Axiom Bank, National Association lists 7 offices in 7 cities. Most locations:
- Maitland, FL (1)
- Orlando, FL (1)
- Port Orange, FL (1)
- St. Cloud, FL (1)
- Winter Garden, FL (1)
- Winter Haven, FL (1)
- Winter Park, FL (1)
Identity & history
Profile
- Legal name
- Axiom Bank, National Association
- Former names
- Washington Shores Savings Bank, FSB; Urban Trust Bank; Axiom Bank; Metro Bank, FSB; Metro Savings Bank, F.S.B.
- Type
- National bank
- FDIC certificate #
- 31390
- RSSD ID
- 408875
- Primary regulator
- OCC
- Holding company
- Axiom Bancshares Inc
- Established
- January 1, 1962
- Headquarters
- 258 Southhall Ln, Maitland, FL 32751
- Website
- www.axiombanking.com
- Employees
- 144
Quick answers
Axiom Bank, National Association: common questions
Is Axiom Bank, National Association FDIC insured?
Yes. Axiom Bank, National Association is an FDIC-insured institution (FDIC certificate #31390). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Axiom Bank, National Association's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Axiom Bank, National Association ever failed?
There is no failure record for FDIC certificate #31390 in the FDIC failed bank list.
How many branches does Axiom Bank, National Association have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Maitland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Credit UnionCredit union New Rockford, ND | 95 out of 100, Very strong | $171.6M | 17.7% | 0.22% | vs |
| Local 606 Electrical Workers Federal Credit UnionCredit union Orlando, FL | 89 out of 100, Very strong | $5.5M | 24.2% | 0.00% | vs |
| Cypress Bank & TrustBank Melbourne, FL | 79 out of 100, Strong | $256.8M | 11.8% | 0.00% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |
| Portrait BankBank Winter Park, FL | 79 out of 100, Strong | $44.7M | 99.2% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |