Slide 1: Axos Q3 Fiscal 2026 Earnings Supplement
Axos Q3 Fiscal 2026 Earnings Supplement April 30, 2026 NYSE: AX
Slide 2: Loan Growth by Category
Loan Growth by Category $ Millions Q3 FY26 Q2 FY26 Inc (Dec) Single Family Jumbo Mortgage $ 3,784 $ 3,751 $ 33 Mortgage & Warehouse SF Warehouse Lending 921 1,044 (123) Multifamily & Multifamily 1,437 1,469 (32) Commercial Mortgage Small Balance Commercial 1,037 1,029 8 CRE Specialty 7,235 7,061 174
Slide 3: Diversified Deposit Gathering
Diversified Deposit Gathering Approximately 85% of deposits are FDIC-insured or collateralized › Serves approximately 30% of U.S. Chapter 7 › Full service digital banking, wealth management, bankruptcy trustees in exclusive relationship and securities trading › Software allows servicing of SEC recei
Slide 4: Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Reserve (UCL)
Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments Reserve (UCL) ($ in millions) (20.9) ACL + UCL ACL + UCL © 2026 Axos Financial, Inc. All Rights Reserved. 4 4
Slide 5: Credit Quality
Credit Quality ($ millions) March 31, 2026 Loans O/S Non-Accrual Loans % Single Family-Mortgage & Warehouse $ 4,705 $ 57 1.21 % Multifamily and Commercial Mortgage 2,474 7 0.28 Commercial Real Estate 8,723 15 0.17 Commercial & Industrial - Non-RE 8,952 98 1.09 Auto & Consumer 617 3 0.49 Total $ 25,4
Slide 6: Selected Financial Information
AXOS FINANCIAL, INC. SELECTED FINANCIAL INFORMATION (Unaudited – dollars in thousands) March 31, December 31, September 30, June 30, 2025 March 31, 2025 2026 2025 2025 Selected Balance Sheet Data: Total assets $ 29,248,986 $ 28,201,406 $ 27,431,817 $ 24,783,078 $ 23,981,154 Loans—net of allowance fo
Slide 7: Selected Financial Information
AXOS FINANCIAL, INC. SELECTED FINANCIAL INFORMATION (Unaudited – dollars in thousands) At or For The Three Months Ended March 31, December 31, September 30, June 30, March 31, 2026 2025 2025 2025 2025 Selected Income Statement Data: Interest and dividend income $ 478,241 $ 513,845 $ 465,736 $ 442,41
Slide 8: Use of Non-GAAP Financial Measures
Use of Non-GAAP Financial Measures In addition to the results presented in accordance with GAAP, this earnings supplement includes non-GAAP financial measures such as adjusted earnings, adjusted earnings per diluted common share, and tangible book value per common share. Non-GAAP financial measures
Slide 9: Use of Non-GAAP Financial Measures (cont'd)
Use of Non-GAAP Financial Measures (cont'd) We define “tangible book value”, a non-GAAP financial measure, as book value adjusted for goodwill and other intangible assets. Tangible book value is calculated using common stockholders’ equity minus servicing rights, goodwill and other intangible assets
Slide 10: Contact Information
Contact Information Greg Garrabrants, President and CEO Derrick Walsh, EVP and CFO investors@axosfinancial.com www.axosfinancial.com Johnny Lai, SVP Corporate Development and Investor Relations Phone: 858.649.2218 Mobile: 858.245.1442 jlai@axosfinancial.com © 2026 Axos Financial, Inc. All Rights Res