OXFORD BANK

OXFORD, MI | Large | Est. June 4, 1884, midnight | FDIC #9719 | RSSD #448040 | FED
Latest Report: 2025-12-31

OXFORD BANK is aln large FDIC-insured commercial bank headquartered in OXFORD, MI, established in June 4, 1884, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $965M. Profitability stands at 0.97% ROA and 8.77% ROE, with a net interest margin of 5.19%. The bank's CET1 capital ratio is 13.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.35% and a Texas Ratio of 17.53%. FDIC Certificate #9719.

Assets

$1.1B

Deposits

$965M

Loans

$661M

Equity

$112M

Profitability

Return on Assets (ROA) 0.97%
Return on Equity (ROE) 8.77%
Net Interest Margin (NIM) 5.19%
Yield on Assets 6.48%
Cost of Funds 1.35%

Asset Quality

NPL Ratio 2.35%
Net Charge-Off Ratio 0.42%
Texas Ratio 17.53%
NPA Ratio 1.93%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 13.94%
Tier 1 Capital 13.94%
Total Capital Ratio 15.06%
Leverage Ratio 10.54%
Loan-to-Deposit 68.52%

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