Compared with California
7 of 17
compared fees are above the median.
6 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
24th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 17 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 28, 2026
Call-report figures are for Axos Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Axos Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.7% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (24th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $5.8M in Q2 2026, 369% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 17 compared published fees sit above the California median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $15, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
Compared at $22.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 383% from Q3 2025 to Q2 2026, to $5.8M. Its share of revenue, 1.7%, is below the 2.9% median for banks with $10B to $50B in assets.
$5.8M
Axos BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $30; we compare the midpoint.
Axos Bank · $28.9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Axos Bank(this institution) | San Diego, CA | $28.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ameris Bank | Atlanta, GA | $28.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arvest Bank | Fayetteville, AR | $28.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| BankUnited, National Association | Miami Lakes, FL | $34.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| City National Bank of Florida | Miami, FL | $29.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Customers Bank | Malvern, PA | $26.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastern Bank | Boston, MA | $31.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Interstate Bank | Billings, MT | $25.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Omaha | Omaha, NE | $34.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fulton Bank, National Association | Lancaster, PA | $32.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Bank | Kalispell, MT | $31.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Provident Bank | Jersey City, NJ | $25.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sallie Mae Bank | Salt Lake City, UT | $28.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TD Bank USA, National Association | Wilmington, DE | $32.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Capital Bank | Dallas, TX | $33.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Fairfax, VA | $33.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Community Bank | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| WaFd Bank | Seattle, WA | $27.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| WesBanco Bank, Inc. | Wheeling, WV | $27.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $15, the middle of its two prices, against a peer median of $12 among 16 publishing peers.
Its two checking prices are $0 and $30.
$15 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Axos Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5.8M | +$1.9M | +50.4% |
| Q1 2026 | $3.9M | −$1.5M | −28.1% |
| Q4 2025 | $5.4M | +$4.2M | +347.4% |
| Q3 2025 | $1.2M | −$36K | −2.9% |
| Q2 2025 | $1.2M | +$282K | +29.6% |
| Q1 2025 | $954K | −$1.6M | −62.6% |
| Q4 2024 | $2.5M | +$1.8M | +224.4% |
| Q3 2024 | $786K | +$455K | +137.5% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Axos Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Axos Bank by share.
Amounts from Axos Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per transaction
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fees | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Fees | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Notification | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Excess Transaction or Withdrawal Fee (per withdrawal) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
Overdraft & NSF | |||
| Overdraft Protection Transfer (from linked account) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers Outgoing (Domestic) | $35Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers Outgoing (International) | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official checks, per item | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payments, per request Online (initial or extension) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payments, per request with assistance (initial or extension) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Axos Bank On-Us Check Cashing Fee for Non-Customers, per item | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Items, domestic, per item | No chargeBelow the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check copy from archive, per item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Non-Customer Notary Fee | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Process/Subpoena | $35Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Legal Processing | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Bank Verification Letter | $35Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| Individual Retirement Account (IRA) Services: Transfer Fee | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Certified or Overnight Mail – Special Mailing/Rush Delivery Fee | $10Below the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Statement Copy from archive with our assistance, per statement | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy from Online Banking | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 28, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Axos Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 3 states, $24.8B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $23.1B | |
| 1 | $1.6B | |
| 1 | $162.0M |
San Diego-Chula Vista-Carlsbad, CA
17.1% of bank deposits, #2 of 42, up 10.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.2% |
| Wells Fargo Bank, National Association | 15.5% |
| Bank of America, National Association | 11.7% |
| U.S. Bank National Association | 8.6% |
| Western Alliance Bank | 6.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In San Diego-Chula Vista-Carlsbad, CA, Axos Bank holds 17.1% of bank deposits, #2 of 42, with 1 office.
The fee comparison uses its home metro, Las Vegas-Henderson-North Las Vegas, NV.
602 offices of 72 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 42 institutions shown. $135.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 17.1% share, 1 office, #2 of 42
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
185 offices of 31 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
237 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 114 |
| Closing an account | 22 |
| Opening an account | 20 |
| Incorrect information on your report | 12 |
| Problem with a company's investigation into an existing problem | 10 |
| Repossession | 9 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
Axos Financial, Inc. (NYSE: AX)
Consolidated assets
$30.8B
Shareholders' equity
$3.3B
As of
2026Q3
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1299709. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.