Side-by-side · Q2 2026 data
Mechanics Bank vs Axos Bank
Metric by metric
| Measure | Mechanics Bank | Axos Bank |
|---|---|---|
| TellerScore | 65 | 71 (stronger) |
| Capital cushion | 44 (stronger) | 42 |
| Loan quality | 86 (stronger) | 85 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 55 (stronger) | 54 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 54th | 76th |
| Total assets | $21.2B | $28.9B |
| Deposits / shares | $18.1B | $24.8B |
| Capital ratio | 9.38% (stronger) | 9.24% |
| Problem loans | 0.41% (stronger) | 0.44% |
| Net charge-offs | 0.11% | 0.09% (stronger) |
| Return on assets | 0.99% | 2.16% (stronger) |
| Loans ÷ deposits | 74.2% (stronger) | 99.5% |
| Uninsured deposits | 42.9% | 21.2% (stronger) |
| Offices | 166 | 3 |
| CFPB complaints (3 yrs) | — | 635 |
| Complaints per $1B deposits | — | 25.6 |
| Mortgage denial rate (HMDA) | 20.1% | 37.2% |
Axos Bank has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 3 and Axos Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.