Oxford Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.12 percentage points in Q2 2026, from 141.16% to 137.04%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Oxford Bank is 25th of 72 on loan-to-deposit ratio, 92.37% as of Q2 2026, above the middle of the field. Oxford Bank reported 92.37% on loan-to-deposit ratio for Q2 2026, 11.53 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $722.8M |
| Net loans and leases | $713.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.68% |
| Loan-to-deposit ratio | 92.37% |
| Net loans to equity capital | 6.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.82% |
| Multifamily (5+ residential) | 1.80% |
| Commercial and industrial | 35.70% |
| Consumer | 3.77% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 137.04% |
| Construction concentration (Tier 1 capital + allowance) | 34.74% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.56% |
| Interest income on loans | $13.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $528.0M | $702.6M | 55.08% | 26.08% | 1.83% |
| Q4 2023 | $542.6M | $716.6M | 56.13% | 24.17% | 2.31% |
| Q1 2024 | $562.3M | $781.9M | 56.11% | 25.20% | 2.37% |
| Q2 2024 | $595.2M | $705.5M | 57.59% | 26.16% | 2.51% |
| Q3 2024 | $596.9M | $759.6M | 58.34% | 25.95% | 2.83% |
| Q4 2024 | $613.4M | $699.1M | 57.61% | 27.28% | 3.08% |
| Q1 2025 | $622.4M | $709.9M | 57.00% | 27.40% | 3.32% |
| Q2 2025 | $634.9M | $733.8M | 55.86% | 29.68% | 3.25% |
| Q3 2025 | $663.0M | $794.5M | 56.19% | 29.71% | 3.46% |
| Q4 2025 | $661.3M | $965.1M | 54.34% | 30.50% | 3.76% |
| Q1 2026 | $701.6M | $752.8M | 51.75% | 33.32% | 3.67% |
| Q2 2026 | $722.8M | $782.6M | 48.82% | 35.70% | 3.77% |
Oxford Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oxford Bank, freeSource: Call Report Schedule RC-C, 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)