BANK OF ANN ARBOR

ANN ARBOR, MI | Large | Est. Jan. 16, 1996, midnight | FDIC #34120 | RSSD #2390929 | FDIC
Latest Report: 2025-12-31

BANK OF ANN ARBOR is aln large FDIC-insured commercial bank headquartered in ANN ARBOR, MI, established in Jan. 16, 1996, midnight. As of 2025-12-31, the bank reported total assets of $3.3B and total deposits of $2.7B. Profitability stands at 1.51% ROA and 10.71% ROE, with a net interest margin of 4.42%. The bank's CET1 capital ratio is 13.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 1.57%. FDIC Certificate #34120.

Assets

$3.3B

Deposits

$2.7B

Loans

$2.7B

Equity

$476M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 10.71%
Net Interest Margin (NIM) 4.42%
Yield on Assets 5.96%
Cost of Funds 2.18%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.08%
Texas Ratio 1.57%
NPA Ratio 0.24%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 13.23%
Tier 1 Capital 13.23%
Total Capital Ratio 14.33%
Leverage Ratio 12.91%
Loan-to-Deposit 99.38%

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