Bank of Ann Arbor: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank of Ann Arbor is a community bank chartered in 1996, based in Ann Arbor, MI. On its most recent Q2 2026 call report, Bank of Ann Arbor reported $3.5B in total assets against $2.8B in deposits. Profitability is strong, 2.09% ROA, paired with 14.41% ROE and a 4.43% net interest margin. Capital cushions are healthy: 14.27% CET1, 13.17% Tier 1 leverage. Asset quality is pristine, 0.27% NPLs and a 2.03% Texas Ratio. Its footprint covers 18 branches concentrated in Michigan.
As of June 30, 2026, Bank of Ann Arbor reported a CET1 capital ratio of 14.27%, a return on assets of 2.09%, a nonperforming-loan ratio of 0.27%, a Texas ratio of 2.03%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 125 S 5th Ave, Ann Arbor, MI 48104
- County
- Washtenaw
- Metro Area
- Ann Arbor, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 16, 1996
- Offices
- 18 domestic
- Employees (FTE)
- 319
- Domestic deposits
- $2.84B
- Allowance for credit losses
- $32.9M
- Net charge-offs (YTD)
- $1.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 16, 1996
- FDIC Cert
- 34120
- Fed RSSD
- 2390929
- SEC CIK
- 1693534 → filed by ARBOR BANCORP, INC.
- Website
- www.bankofannarbor.com →
- Parent Holding Company
- ARBOR BANCORP, INC. (RSSD 2454380)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Ann Arbor terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Ann Arbor, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Ann Arbor rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 2.09% | 0.27% | 2.03% | 4.43% |
| Q1 2026 | 13.54% | 1.92% | 0.35% | 2.42% | 4.39% |
| Q4 2025 | 13.23% | 1.55% | 0.25% | 1.87% | 4.48% |
| Q3 2025 | 13.01% | 1.90% | 0.24% | 1.93% | 4.33% |
| Q2 2025 | 12.55% | 1.78% | 0.16% | 1.55% | 4.25% |
| Q1 2025 | 12.54% | 1.68% | 0.18% | 1.81% | 4.15% |
| Q4 2024 | 12.37% | 1.27% | 0.17% | 1.95% | 4.25% |
| Q3 2024 | 12.19% | 1.84% | 0.06% | 1.53% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 18 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Ann Arbor (main office) | Ann Arbor , MI | 48104 | $937.1M |
| Woodward Branch | Birmingham , MI | 48009 | $402.2M |
| Ellsworth Road Branch | Ann Arbor , MI | 48108 | $281.6M |
| Plymouth Branch | Plymouth , MI | 48170 | $212.4M |
| Stadium Branch | Ann Arbor , MI | 48103 | $205.0M |
| Howell Branch | Howell , MI | 48843 | $197.3M |
| Challis Road Branch | Brighton , MI | 48116 | $112.2M |
| Saline Mi Branch | Saline , MI | 48176 | $73.7M |
| Hartland Branch | Hartland , MI | 48353 | $69.3M |
| Fowlerville Branch | Fowlerville , MI | 48836 | $65.0M |
| Ypsilanti Branch | Ypsilanti , MI | 48197 | $62.9M |
| Genoa Branch | Howell , MI | 48843 | $53.4M |
| Plymouth Road Branch | Ann Arbor , MI | 48105 | $51.1M |
| Vg's In-Store Branch | Howell , MI | 48843 | $40.9M |
| M-36 Branch | Whitmore Lake , MI | 48189 | $35.8M |
| Brighton Township Branch | Brighton , MI | 48116 | $31.6M |
| Farmington Hills Branch | Farmington Hills , MI | 48334 | $11.7M |
| Drive-In Branch | Howell , MI | 48843 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2021 | Structure Change | Acquired First National Bank in Howell Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 2017 | Structure Change | Acquired Bank of Birmingham Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 2010 | Structure Change | Acquired New Liberty Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 14, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Bank of Ann Arbor, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in MI, rank 14 of 98 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 213 applications, 155 loans originated, $65.5M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Ann Arbor
What are Bank of Ann Arbor's total assets?
As of the Q2 2026 filing, Bank of Ann Arbor reported total assets of $3.50 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Ann Arbor headquartered?
Bank of Ann Arbor is headquartered in Ann Arbor, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Ann Arbor founded?
Bank of Ann Arbor was established in 1996, per the FDIC institution directory.
Is Bank of Ann Arbor FDIC-insured?
Yes. Bank of Ann Arbor is an FDIC-insured commercial bank (FDIC Certificate #34120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Ann Arbor?
Bank of Ann Arbor's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Ann Arbor's CET1 capital ratio?
Bank of Ann Arbor reported a Common Equity Tier 1 (CET1) capital ratio of 14.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Ann Arbor operate?
Bank of Ann Arbor operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Ann Arbor's Texas Ratio?
Bank of Ann Arbor's Texas Ratio is 2.03% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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