Oxford Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.35 percentage points lower than in Q1 2026, at 52.57%. Oxford Bank ranks 38th of 72 Michigan banks on return on assets, in the lower half at 1.22% (Q2 2026). At 1.22%, Oxford Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.19% |
| Tier 1 risk-based capital ratio | 13.19% |
| Total risk-based capital ratio | 14.39% |
| Tier 1 leverage ratio | 11.93% |
| Equity capital to assets | 12.32% |
| Tangible equity to tangible assets | 11.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.54% |
| Non-performing assets ratio | 2.76% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 21.94% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 52.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 9.94% |
| Net interest margin | 5.16% |
| Efficiency ratio | 71.76% |
| Yield on earning assets | 6.48% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.37% |
| Core deposits to total deposits | 89.94% |
| Brokered deposits to total deposits | 5.60% |
| Deposits to assets | 84.10% |
| Securities to assets | 13.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.74% | 13.74% | 14.83% | 10.32% | 1.60% |
| Q4 2023 | 13.83% | 13.83% | 14.84% | 10.90% | 1.23% |
| Q1 2024 | 13.57% | 13.57% | 14.55% | 10.44% | 1.58% |
| Q2 2024 | 13.59% | 13.59% | 14.62% | 11.02% | 1.15% |
| Q3 2024 | 13.83% | 13.83% | 14.88% | 11.12% | 1.35% |
| Q4 2024 | 13.93% | 13.93% | 15.19% | 11.28% | 0.85% |
| Q1 2025 | 13.99% | 13.99% | 15.09% | 11.99% | 1.44% |
| Q2 2025 | 14.29% | 14.29% | 15.39% | 12.13% | 1.40% |
| Q3 2025 | 14.24% | 14.24% | 15.36% | 11.86% | 1.36% |
| Q4 2025 | 13.94% | 13.94% | 15.06% | 10.54% | 0.96% |
| Q1 2026 | 13.29% | 13.29% | 14.48% | 11.04% | 0.67% |
| Q2 2026 | 13.19% | 13.19% | 14.39% | 11.93% | 1.22% |
Oxford Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oxford Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)