| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The Company’s and Bank’s capital amounts, capital ratios and capital requirements under Basel III were as follows: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Axos Financial, Inc. | | Axos Bank | | “Well
Capitalized”
Ratio | | Minimum Capital
Ratio | | (Dollars in thousands) | June 30, 2026 | | June 30, 2025 | | June 30, 2026 | | June 30, 2025 | | | Regulatory Capital: | | | | | | | | | | | | | Tier 1 | $ | 2,913,543 | | $ | 2,554,071 | | $ | 2,609,003 | | $ | 2,360,284 | | | | | | Common equity tier 1 | $ | 2,913,543 | | $ | 2,554,071 | | $ | 2,609,003 | | $ | 2,360,284 | | | | | | Total capital | $ | 3,564,095 | | $ | 3,117,763 | | $ | 2,888,379 | | $ | 2,603,589 | | | | | | | | | | | | | | | | | | Assets: | | | | | | | | | | | | | Average adjusted | $ | 29,320,107 | | $ | 23,813,242 | | $ | 28,249,246 | | $ | 23,077,089 | | | | | | Total risk-weighted | $ | 24,766,359 | | $ | 20,404,204 | | $ | 23,872,574 | | $ | 19,003,094 | | | | | | | | | | | | | | | | | | Regulatory Capital Ratios: | | | | | | | | | | | | | Tier 1 leverage (to adjusted average assets) | 9.94 | % | | 10.73 | % | | 9.24 | % | | 10.23 | % | | 5.00% | | 4.00% | | Common equity tier 1 capital (to risk-weighted assets) | 11.76 | % | | 12.52 | % | | 10.93 | % | | 12.42 | % | | 6.50% | | 4.50% | | Tier 1 capital (to risk-weighted assets) | 11.76 | % | | 12.52 | % | | 10.93 | % | | 12.42 | % | | 8.00% | | 6.00% | | Total capital (to risk-weighted assets) | 14.39 | % | | 15.28 | % | | 12.10 | % | | 13.70 | % | | 10.00% | | 8.00% |
|