Company: AX
Filing Date: 2025-08-21
Form Type: 10-K
Source: 0001299709-25-000125
Chunk: 145

Company: Axos Financial, Inc.
Filing Date: 2025-08-21
Form: 10-K
Item: Item 7
Chunk 145
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LoansBalance at June 30, 2022$19,670 $14,655 $69,339 $30,808 $14,145 $148,617 1.04 %Provision for credit losses(2,302)2,193 3,416 15,521 5,922 24,750 Charge-offs(314)— — — (9,142)(9,456)Recoveries449 — — 18 2,302 2,769 Balance at June 30, 202317,503 16,848 72,755 46,347 13,227 166,680 1.00 %Allowance for credit losses at acquisition of PCD loans— 58,997 11,125 — — 70,122 Provision for credit losses(489)(4,434)3,900 29,769 4,004 32,750 Charge-offs(172)(640)— (84)(11,013)(11,909)Recoveries101 — — — 2,798 2,899 Balance at June 30, 202416,943 70,771 87,780 76,032 9,016 260,542 1.34 %Provision for credit losses(1,858)(36,655)25,934 54,432 13,224 55,077 Charge-offs(3,036)(8,565)(165)(8,825)(9,715)(30,306)Recoveries62 689 255 — 3,730 4,736 Balance at June 30, 2025$12,111 $26,240 $113,804 $121,639 $16,255 $290,049 1.36 %Net Charge-Offs to Average  Loans - Fiscal Year Ended June 30, 20250.14 %0.52 %— %0.28 %3.02 %0.13 %Net Charge-Offs to Average  Loans - Fiscal Year Ended June 30, 2024— %0.02 %— %— %1.70 %0.05 %Net Charge-Offs to Average  Loans - Fiscal Year Ended June 30, 2023