Axos Q4 Fiscal 2025 Earnings Supplement July 30, 2025 NYSE: AX Loan Growth by Category | | | | | | $ Millions | | | --- | --- | --- | --- | --- | --- | --- | | | | | | Q4 FY25 | Q3 FY25 | Inc (Mar) | | | Single Family Mortgage & | Jumbo Mortgage | $ | 3,786 $ | 3,697 $ | 89 | | | Warehouse | SF Warehouse Lending | | 609 | 498 | 111 | | | Multifamily & Commercial | Multifamily | | 1,729 | 2,059 | (330) | | | Mortgage | Small Balance Commercial | | 1,212 | 1,281 | (69) | | | Commercial Real Estate | CRE Speci ...

Financial Performance - Net income for the quarter ended June 30, 2025, was $110.675 million[16] - Adjusted earnings for the same period were $111.814 million[22], or $1.94 per diluted share[22] - Total assets reached $24.783 billion[13] - Total deposits amounted to $20.829 billion[13] - The company's return on average assets was 1.85%[16], and return on average common stockholders' equity was 16.85%[16] Loan Portfolio - Total loans outstanding reached $21.552 billion[3, 9, 11] - Single Family Mortgage & Warehouse loans totaled $4.395 billion[9, 11] with an ACL of $12 million[9] - Multifamily & Commercial Mortgage loans amounted to $2.941 billion[9, 11] with an ACL of $26 million[9] - Commercial Real Estate loans were $6.937 billion[9, 11] with an ACL of $114 million[9] - Commercial & Industrial Non-RE loans reached $6.796 billion[9, 11] with an ACL of $122 million[9] Credit Quality - The allowance for credit losses (ACL) was $290.049 million as of June 30, 2025[13] - Non-accrual loans represented 0.79% of total loans[16]