Oxford Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oxford Bank of Oxford, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 9.94% | 13.32% | -3.38% | 35th below |
| Net Interest Margin | 5.16% | 3.93% | +1.23% | 94th top |
| Efficiency Ratio | 71.76% | 61.13% | +10.63% | 25th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 55th above |
| Yield on Earning Assets | 6.48% | 5.67% | +0.81% | 87th top |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 4.11% | 3.32% | +0.79% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.54% | 0.94% | +1.60% | 9th bottom |
| NPA / Total Assets | 2.76% | 0.70% | +2.06% | 4th bottom |
| NCO / Avg Loans | -0.07% | 0.16% | -0.23% | 96th top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) | 52.57% | 1540.14% | -1487.57% | 12th bottom |
| Texas Ratio | 21.94% | 7.32% | +14.62% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.19% | 19.51% | -6.32% | 31st below |
| Tier 1 Ratio | 13.19% | 19.55% | -6.36% | 30th below |
| Total Capital Ratio | 14.39% | 20.63% | -6.24% | 31st below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.93% | 12.14% | -0.21% | 64th above |
| Equity / Assets | 12.32% | 11.37% | +0.95% | 74th above |
| TCE / Tangible Assets | 11.62% | 11.09% | +0.53% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.37% | 80.63% | +11.74% | 24th bottom |
| Core Deposit Ratio | 89.94% | 86.86% | +3.08% | 54th above |
| Wholesale Funding Ratio | 2.55% | 5.04% | -2.49% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.26% | 6.85% | +1.41% | 76th top |
| Loan Growth (Y/Y) | 13.85% | 7.90% | +5.95% | 84th top |
| Deposit Growth (Y/Y) | 6.65% | 6.29% | +0.36% | 68th above |
See Oxford Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oxford Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Oxford Bank profile, how to read a UBPR, or how this data updates.