Company: AX
Filing Date: 2025-08-21
Form Type: 10-K
Source: 0001299709-25-000125
Chunk: 3

Company: Axos Financial, Inc.
Filing Date: 2025-08-21
Form: 10-K
Item: Item 7A
Chunk 3
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 $— $2,005,060 Mortgage-backed and other securities133,651 4,432 16,941 10,984 $66,008 Stock of regulatory agencies29,600 — — — $29,600 Loans214,885,635 1,645,693 4,370,650 147,632 $21,049,610 Loans held for sale10,012 — — — $10,012 Total interest-earning assets16,963,958 1,650,125 4,387,591 158,616 23,160,290 Non-interest-earning assets— — — — $828,458 Total assets$16,963,958 $1,650,125 $4,387,591 $158,616 $23,988,748 Interest-bearing liabilities:Interest-bearing deposits3$17,381,443 $313,606 $167,817 $— $17,862,866 Advances from the FHLB— — 60,000 — $60,000 Total interest-bearing liabilities17,381,443 313,606 227,817 — 17,922,866 Other non-interest-bearing liabilities— — — — $3,451,680 Stockholders’ equity— — — — $2,614,202 Total liabilities and equity$17,381,443 $313,606 $227,817 $— $23,988,748 Net interest rate sensitivity gap$(417,485)$1,336,519 $4,159,774 $158,616 $5,237,424 Cumulative gap$(417,485)$919,034 $5,078,808 $5,237,424 $5,237,424 Net interest rate sensitivity gap—as a % of total interest-earning assets(1.80)%5.77 %17.96 %0.68 %22.61 %Cumulative gap—as a % of total cumulative interest-earning assets(1.80)%3.97 %21.93 %22.61 %22.61 %

1 Comprised of U.S. government securities, mortgage-backed securities and other securities. The