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Oxford Bank
Oxford, MI · FDIC Certificate #9719 · Chartered 06/0
Total assets
$930.52M
Total deposits
$782.58M
Total equity
$116.27M
Net loans
$713.18M
Branches (offices)
8
Net income (YTD)
$4.46M
Rank: #1,114 of 4,213 U.S. banks by assets · #20 of 72 in Michigan. Assets changed 8.3% and deposits 6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 7.89% |
| Net interest margin (YTD) | 5.15% |
| Equity to assets | 12.49% |
| Tier 1 leverage ratio | 11.93% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 2.26% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 91.1% |
| Real estate loans (share of loans) | 61.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $434.77M | 61.0% | |
| Commercial & industrial | $258.04M | 36.2% | |
| Consumer / individual | $27.23M | 3.8% | |
| Construction & development | $41.36M | 5.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $807.51M | $732.68M | $3.29M | $71.88M |
| Jun 2023 | $817.17M | $728.54M | $6.86M | $82.86M |
| Jun 2024 | $821.20M | $705.46M | $5.85M | $95.83M |
| Jun 2025 | $859.50M | $733.76M | $5.93M | $108.26M |
| Jun 2026 | $930.52M | $782.58M | $4.46M | $116.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $782.58M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $782.58M.
Similar-sized banks
Vermillion State Bank ($931.38M) · Greenfield Banking Company ($930.49M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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