Oxford Bank
BankRegReports is independent of Oxford Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Oxford Bank is an FDIC-insured commercial bank headquartered in Oxford, MI, established in 1884 (FDIC certificate 9719), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $930.5M, up 8.3% from Q2 2025, the 20th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 13.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9719
- Headquarters
- Oxford, MI
- Established
- 1884
- Total assets, Q2 2026
- $930.5M
- Assets vs Q2 2025
- +8.3%
- CET1 ratio, Q2 2026
- 13.19%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 072404333
- Holding company
- OXFORD BANK CORPORATION
- Asset rank in state
- 20th of 72 in Michigan
Oxford Bank earns an unusually wide margin on its lending. Based in Oxford, Michigan, it had $931 million in assets at June 30, 2026, up 8.3% from a year earlier. It keeps 5.16 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 18.0% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 13.8% and deposits rose 6.7%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.91% of loans from 1.66% a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Oxford Bank reported a CET1 capital ratio of 13.19%, a return on assets of 1.22%, a nonperforming-loan ratio of 2.26% and a Texas ratio of 18.00%. The figures come from its call report filed with the FFIEC.
Oxford Bank ranks as the 20th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.2% to $930.5M, loans rose 3.0% and deposits rose 4.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 35.7% of total loans, ahead of owner-occupied commercial real estate loans at 33.9%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in MI; its Oxford 2 offices book 68% of its branch deposits. On its Q2 2026 call report, Oxford Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 60 S Washington St, Oxford, MI 48371
- County
- Oakland
- Metro Area
- Detroit-Warren-Dearborn, MI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 4, 1884
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 156
- Domestic deposits
- $782.6M
- Allowance for credit losses
- $9.7M
- Net charge-offs (YTD)
- -$209K
- Average total assets
- $924.4M
- Average total loans
- $719.0M
- Average interest-bearing deposits
- $453.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9719
- Fed RSSD
- 448040
- SEC CIK
- 1473086 → filed by OXFORD BANK CORPORATION
- Website
- www.oxfordbank.com →
- Parent Holding Company
- OXFORD BANK CORPORATION (RSSD 1249383)
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
Oxford Bank's total assets moved between a low of $794.3M (Q3 2023) and a high of $1.09B (Q4 2025) from Q3 2023 to 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
$930.5M total assets against $859.5M; $814.3M total liabilities against $751.2M.
$713.2M net loans and leases against $627.6M; $782.6M total deposits against $733.8M.
$121.1M securities against $118.1M; $39.5M cash and balances due against $52.6M.
$14.8M total interest income against $13.1M; $3.0M total interest expense against $2.4M.
$11.8M net interest income against $10.8M.
$1.9M total noninterest income against $2.2M; $9.8M total noninterest expense against $7.6M.
$234K provision for credit losses against $1.4M.
$2.8M net income against $2.9M.
1.22% return on assets against 1.40%; 5.16% net interest margin against 5.30%.
13.19% CET1 capital ratio against 14.29%; 11.93% tier 1 leverage ratio against 12.13%.
Inside the full Oxford Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOxford Bank rankings
Its closest position to the top of a national ranking is 219 of 3,640, for Texas Ratio; its furthest is 2,864 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q1 2026) to 1.44% (Q1 2025) and its net interest margin ran from 4.78% (Q1 2026) to 5.37% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.19% | 1.22% | 2.26% | 18.00% | 5.16% |
| Q1 2026 | 13.29% | 0.67% | 2.14% | 15.36% | 4.78% |
| Q4 2025 | 13.94% | 0.96% | 2.35% | 16.18% | 5.13% |
| Q3 2025 | 14.24% | 1.36% | 2.38% | 18.50% | 5.37% |
| Q2 2025 | 14.29% | 1.40% | 1.66% | 16.74% | 5.30% |
| Q1 2025 | 13.99% | 1.44% | 2.23% | 13.47% | 5.13% |
| Q4 2024 | 13.93% | 0.85% | 1.60% | 9.73% | 5.22% |
| Q3 2024 | 13.83% | 1.35% | 1.54% | 9.31% | 4.93% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Oxford Bank (main office) | Oxford , MI | 48371 | $530.0M |
| Lake Orion Branch | Lake Orion , MI | 48360 | $51.8M |
| Clarkston Branch | Clarkston , MI | 48346 | $49.4M |
| Addison-Oaks Branch | Oakland Township , MI | 48363 | $45.0M |
| Dryden Branch | Dryden , MI | 48428 | $39.2M |
| Ortonville Branch | Ortonville , MI | 48462 | $37.2M |
| Davison Branch | Davison , MI | 48423 | $30.0M |
| Independence Village Retirement Community Branch | Oxford , MI | 48371 | $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 |
|---|---|---|---|
| June 1, 2008 | Structure Change | Acquired Oxford Bank Mortgage Services, L.L.C. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MI, rank 33 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 42 loans originated, $10.2M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 19 loans, $10.0M approved, $528K 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
Add this badge to your website
Free to use. It shows Oxford Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Oxford Bank
What are Oxford Bank's total assets?
As of the Q2 2026 filing, Oxford Bank reported total assets of $930.5 million in its FFIEC call report.
Where is Oxford Bank headquartered?
It is headquartered in Oxford, MI, United States.
When was Oxford Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Oxford Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oxford Bank?
Oxford Bank's primary federal regulator is the Federal Reserve.
What is Oxford Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oxford Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oxford Bank's Texas Ratio?
Its Texas Ratio is 18.00% 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.
Go deeper on Oxford Bank.
Get an email when Oxford Bank files its next call report, and benchmark it against any peer you choose.
Unlock Oxford Bank, freeFree account