Bank of Ann Arbor
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Data as of · sourced from FFIEC call reports. How we update
Bank of Ann Arbor is an FDIC-insured commercial bank headquartered in Ann Arbor, MI, established in 1996 (FDIC certificate 34120), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.50B, up 6.3% from Q2 2025, the 7th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 14.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34120
- Headquarters
- Ann Arbor, MI
- Established
- 1996
- Total assets, Q2 2026
- $3.50B
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 14.27%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 072413735
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Ann Arbor call report
- Holding company
- ARBOR BANCORP, INC.
- Asset rank in state
- 7th of 72 in Michigan
Bank of Ann Arbor is one of the more profitable banks of its size. The Ann Arbor, Michigan bank had $3.5 billion in assets at June 30, 2026, up 6.3% from a year earlier. It earns about $2.09 a year on every $100 of assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also shrank its loan book 1.2% over the year, lower than about three-quarters of banks its size (median 5.9%). Much of that comes from cost control: it spends about 44 cents to bring in each dollar of revenue.
Net income for the quarter rose 22% from a year earlier, to $18 million. Over the same year, loans shrank 1.2% and deposits grew 6.9%. Funding is the softer spot: it holds about two-fifths of its deposits (44%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Bank of Ann Arbor reported a CET1 capital ratio of 14.27%, a return on assets of 2.09%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.03%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, Bank of Ann Arbor is the 7th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.0% to $3.50B, loans fell 1.3% and deposits rose 3.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 25.6% of total loans, ahead of commercial and industrial loans at 24.6%. Its 18 offices in the FDIC Summary of Deposits are in 11 cities in MI; its Ann Arbor 4 offices book 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Ann Arbor meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 125 S 5th Ave, Ann Arbor, MI 48104
- County
- Washtenaw
- Metro Area
- Ann Arbor, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 16, 1996
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 319
- Domestic deposits
- $2.84B
- Allowance for credit losses
- $32.9M
- Net charge-offs (YTD)
- $1.0M
- Average total assets
- $3.37B
- Average total loans
- $2.39B
- Average interest-bearing deposits
- $2.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 16, 1996
- FDIC Cert
- 34120
- Fed RSSD
- 2390929
- SEC CIK
- 1693534 → filed by ARBOR BANCORP, INC.
- Website
- www.bankofannarbor.com →
- Parent Holding Company
- ARBOR BANCORP, INC. (RSSD 2454380)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Ann Arbor's total assets ranged from $3.04B (Q1 2024) to $3.50B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.50B total assets against $3.29B; $3.00B total liabilities against $2.84B.
$2.63B net loans and leases against $2.67B; $2.84B total deposits against $2.66B.
$238.7M securities against $257.9M; $351.7M cash and balances due against $120.3M.
$46.4M total interest income against $44.8M; $11.7M total interest expense against $13.0M.
$34.8M net interest income against $31.8M.
$5.9M total noninterest income against $4.8M; $18.1M total noninterest expense against $17.1M.
$314K provision for credit losses against $1.4M.
$17.6M net income against $14.5M.
2.09% return on assets against 1.78%; 4.43% net interest margin against 4.25%.
14.27% CET1 capital ratio against 12.55%; 13.17% tier 1 leverage ratio against 12.26%.
Inside the full Bank of Ann Arbor terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Ann Arbor rankings
Its closest position to the top of a national ranking is 362 of 4,196, for total assets; its furthest is 2,247 of 3,640, for Texas Ratio.
Metric pages for Bank of Ann Arbor: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.27% (Q4 2024) to 2.09% (Q2 2026) and its net interest margin ran from 4.15% (Q1 2025) to 4.48% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 2.09% | 0.27% | 2.03% | 4.43% |
| Q1 2026 | 13.54% | 1.92% | 0.35% | 2.42% | 4.39% |
| Q4 2025 | 13.23% | 1.55% | 0.26% | 1.87% | 4.48% |
| Q3 2025 | 13.01% | 1.90% | 0.25% | 1.93% | 4.33% |
| Q2 2025 | 12.55% | 1.78% | 0.16% | 1.55% | 4.25% |
| Q1 2025 | 12.54% | 1.68% | 0.18% | 1.81% | 4.15% |
| Q4 2024 | 12.37% | 1.27% | 0.20% | 1.95% | 4.25% |
| Q3 2024 | 12.19% | 1.84% | 0.07% | 1.53% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 18 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Ann Arbor (main office) | Ann Arbor , MI | 48104 | $937.1M |
| Woodward Branch | Birmingham , MI | 48009 | $402.2M |
| Ellsworth Road Branch | Ann Arbor , MI | 48108 | $281.6M |
| Plymouth Branch | Plymouth , MI | 48170 | $212.4M |
| Stadium Branch | Ann Arbor , MI | 48103 | $205.0M |
| Howell Branch | Howell , MI | 48843 | $197.3M |
| Challis Road Branch | Brighton , MI | 48116 | $112.2M |
| Saline Mi Branch | Saline , MI | 48176 | $73.7M |
| Hartland Branch | Hartland , MI | 48353 | $69.3M |
| Fowlerville Branch | Fowlerville , MI | 48836 | $65.0M |
| Ypsilanti Branch | Ypsilanti , MI | 48197 | $62.9M |
| Genoa Branch | Howell , MI | 48843 | $53.4M |
| Plymouth Road Branch | Ann Arbor , MI | 48105 | $51.1M |
| Vg's In-Store Branch | Howell , MI | 48843 | $40.9M |
| M-36 Branch | Whitmore Lake , MI | 48189 | $35.8M |
| Brighton Township Branch | Brighton , MI | 48116 | $31.6M |
| Farmington Hills Branch | Farmington Hills , MI | 48334 | $11.7M |
| Drive-In Branch | Howell , MI | 48843 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2021 | Structure Change | Acquired First National Bank in Howell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 2017 | Structure Change | Acquired Bank of Birmingham Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 2010 | Structure Change | Acquired New Liberty Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 14, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in MI, rank 14 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 213 applications, 155 loans originated, $65.5M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $10.2M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Ann Arbor
What are Bank of Ann Arbor's total assets?
As of the Q2 2026 filing, Bank of Ann Arbor reported total assets of $3.50 billion in its FFIEC call report.
Where is Bank of Ann Arbor headquartered?
It is headquartered in Ann Arbor, MI, United States.
When was Bank of Ann Arbor founded?
It was established in 1996, per the FDIC institution directory.
Is Bank of Ann Arbor FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Ann Arbor?
Bank of Ann Arbor's primary federal regulator is the FDIC.
What is Bank of Ann Arbor's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Ann Arbor operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Ann Arbor's Texas Ratio?
Its Texas Ratio is 2.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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