Oxford Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 22.9% lower than in Q1 2026, at -$2.1M. Oxford Bank ranks 25th of 43 Michigan banks on CET1 ratio, in the lower half at 13.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Oxford Bank sits 1.88 points lower, at 13.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.19% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 14.39% |
| Tier 1 leverage ratio | 11.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $109.4M |
| Tier 1 capital | $109.4M |
| Total risk-based capital | $119.4M |
| Total equity capital | $114.7M |
| Risk-weighted assets | $829.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.32% |
| Tangible equity to tangible assets | 11.62% |
| Equity capital to average assets | 12.41% |
| Internal capital growth rate | 8.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $83.2M |
| Retained earnings | $31.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.74% | 13.74% | 14.83% | 10.32% | $613.5M |
| Q4 2023 | 13.83% | 13.83% | 14.84% | 10.90% | $634.9M |
| Q1 2024 | 13.57% | 13.57% | 14.55% | 10.44% | $663.4M |
| Q2 2024 | 13.59% | 13.59% | 14.62% | 11.02% | $677.5M |
| Q3 2024 | 13.83% | 13.83% | 14.88% | 11.12% | $683.2M |
| Q4 2024 | 13.93% | 13.93% | 15.19% | 11.28% | $688.7M |
| Q1 2025 | 13.99% | 13.99% | 15.09% | 11.99% | $704.4M |
| Q2 2025 | 14.29% | 14.29% | 15.39% | 12.13% | $711.1M |
| Q3 2025 | 14.24% | 14.24% | 15.36% | 11.86% | $728.6M |
| Q4 2025 | 13.94% | 13.94% | 15.06% | 10.54% | $758.3M |
| Q1 2026 | 13.29% | 13.29% | 14.48% | 11.04% | $805.9M |
| Q2 2026 | 13.19% | 13.19% | 14.39% | 11.93% | $829.4M |
Oxford Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Oxford Bank, freeSource: Call Report Schedule RC-R, 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 Oxford Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9719) · FFIEC NIC profile (RSSD 448040)