Branch Network
Oxford Bank Locations & Branches Oxford, Michigan
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Oxford Bank operates 8 branches from its headquarters in Oxford, MI, .
Oxford Bank branch network
All 8 branches are in MICHIGAN, across 7 cities. Oxford, MI has the most of its branches, 2. Its largest office by deposits is its main office in Oxford, MI, with $530.0M (67.7% of its branch deposits). It had the same number of branches on June 30, 2025.
Oxford Bank at a glance
Its CET1 capital ratio was 13.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $930.5M
- CET1 ratio, Q2 2026
- 13.19%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1884
Full financial profile · Is Oxford Bank safe? · Oxford Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Oxford, MI (2 branches) | 1 of 3 | 61.8% | $530.0M |
| State: MI (8 branches) | 33 of 95 | 0.3% | $782.6M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
Oxford Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Oakland, MI (6 branches) | 9 of 29 | 1.0% | $713.4M | $74.48B |
| Lapeer, MI (1 branch) | 7 of 7 | 2.5% | $39.2M | $1.59B |
| Genesee, MI (1 branch) | 8 of 8 | 0.6% | $30.0M | $5.44B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Detroit-Warren-Dearborn, MI (7 branches) | 14 of 37 | 0.4% | $752.6M | $178.42B |
| Flint, MI (1 branch) | 8 of 8 | 0.6% | $30.0M | $5.44B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 9719) · FFIEC NIC profile (RSSD 448040)