Bank of Ann Arbor: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 106.98 percentage points higher than in Q1 2026, at 453.46%. Among 72 Michigan banks, Bank of Ann Arbor sits 6th from the top on return on assets, 2.09% as of Q2 2026. Bank of Ann Arbor's return on assets of 2.09% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.82 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.27% |
| Tier 1 risk-based capital ratio | 14.27% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 13.17% |
| Equity capital to assets | 14.27% |
| Tangible equity to tangible assets | 12.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 2.03% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 453.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.09% |
| Return on equity | 14.41% |
| Net interest margin | 4.43% |
| Efficiency ratio | 44.26% |
| Yield on earning assets | 5.91% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.77% |
| Core deposits to total deposits | 94.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.30% |
| Securities to assets | 6.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.59% | 11.59% | 12.84% | 10.79% | 1.59% |
| Q4 2023 | 11.84% | 11.84% | 12.87% | 11.23% | 1.22% |
| Q1 2024 | 11.80% | 11.80% | 12.84% | 11.40% | 1.61% |
| Q2 2024 | 11.68% | 11.68% | 12.73% | 11.63% | 1.63% |
| Q3 2024 | 12.19% | 12.19% | 13.26% | 11.70% | 1.84% |
| Q4 2024 | 12.37% | 12.37% | 13.46% | 12.05% | 1.27% |
| Q1 2025 | 12.54% | 12.54% | 13.67% | 11.89% | 1.68% |
| Q2 2025 | 12.55% | 12.55% | 13.67% | 12.26% | 1.78% |
| Q3 2025 | 13.01% | 13.01% | 14.15% | 12.22% | 1.90% |
| Q4 2025 | 13.23% | 13.23% | 14.33% | 12.91% | 1.55% |
| Q1 2026 | 13.54% | 13.54% | 14.69% | 12.86% | 1.92% |
| Q2 2026 | 14.27% | 14.27% | 15.42% | 13.17% | 2.09% |
Bank of Ann Arbor vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ann Arbor, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Ann Arbor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34120) · FFIEC NIC profile (RSSD 2390929)