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Oxford Bank

$100M-$1B Specialty: Commercial MI FDIC cert 9719

Oxford, MI

9 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits +6.7% year over year ($782.6M on the books).
  • Delinquency rate 2.29%.
  • Return on assets 0.92%.
  • Efficiency ratio 71.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

Oxford Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 19.1% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 7.5% in tier
  • - Nonperforming Asset Ratio 1.87% above tier average
  • - Efficiency Ratio 7.16% above tier average
  • - Delinquency Rate 1.37% above tier average
Get updates when Oxford Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $930.5M
+8.3% YoY +3.2% QoQ
+$543.9M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
Top 2.6% in tier
Total Loans ? $713.2M
+13.6% YoY +3.0% QoQ
+$454.8M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
Top 2.0% in tier
Total Deposits ? $782.6M
+6.7% YoY +4.0% QoQ
+$455.8M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
Top 3.1% in tier
Return on Assets ? 0.92%
-35.7% YoY +39.4% QoQ
-0.41% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 5.15%
-5.5% YoY +4.5% QoQ
+1.16% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
Top 6.1% in tier
Efficiency Ratio ? 71.64%
+12.4% YoY +0.3% QoQ
+7.16% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 2.29%
+35.9% YoY +5.6% QoQ
+1.37% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
Bottom 10.4% in tier
Loan-to-Deposit Ratio ? 91.13%
+6.5% YoY -0.9% QoQ
+13.18% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 36.59%
-6.6% YoY -3.7% QoQ
+14.56% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 7.8% in tier
Nonperforming Asset Ratio ? 2.54%
+22.3% YoY +12.3% QoQ
+1.87% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
Bottom 4.7% in tier
Tier 1 Capital Ratio ? 13.19%
-7.7% YoY -0.7% QoQ
-2.72% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.39%
-17.6% YoY +104.3% QoQ
-0.18% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Noninterest-Bearing 36.6%
-2.6pp YoY
-1.4pp QoQ
 +14.4pp 22.1% 25.9% 22.2% 92%
Brokered Deposits 5.6%
+2.3pp YoY
+1.0pp QoQ
 -2.3pp 7.9% 12.3% 8.5% 56%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 36.2%
+6.2pp YoY
+2.4pp QoQ
 +24.6pp 11.6% 12.8% 12.5% 98%
CRE 57.1%
-5.0pp YoY
-2.6pp QoQ
 +17.6pp 39.5% 45.9% 41.4% 81%
1-4 Family 3.8%
-1.0pp YoY
+0.1pp QoQ
 -28.8pp 32.6% 33.6% 31.3% 4%
Consumer 3.8%
+0.5pp YoY
+0.1pp QoQ
 -0.3pp 4.1% 4.6% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 13.2%
-1.1pp YoY
-0.1pp QoQ
 -5.6pp 18.8% 26.9% 19.7% 31%
Leverage Ratio 11.9%
-0.2pp YoY
+0.9pp QoQ
 -0.2pp 12.2% 12.3% 12.6% 64%
Total Capital Ratio 14.4%
-1.0pp YoY
-0.1pp QoQ
 -5.5pp 19.9% 27.9% 20.8% 31%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 156
+12 (+8.3%) YoY
+5 (+3.3%) QoQ
 +97 58 134 482 98%
Assets per Employee ($) $6.0M
-0.1% YoY
-0.2% QoQ
 -$1.6M $7.5M $6.8M $8.8M 33%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.3%
+0.6pp YoY
+0.1pp QoQ
 +1.4pp 0.9% 0.8% 1.0% 90%
Allowance Coverage 0.59x
-14.3% YoY
-4.0% QoQ
 -23.56x 24.15x 6.79x 20.23x 13%
Net Charge-off Rate (YTD) -0.1%
-0.7pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 7.9%
-3.6pp YoY
+2.1pp QoQ
 -4.3pp 12.2% 11.7% 11.6% 25%
Cost of Funds (YTD) 1.4%
+0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.5% 1.7% 28%
Net Income ($, YTD) $4.5M
-24.7% YoY
— QoQ
 +$1.9M $2.6M $7.3M $40.4M 84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#54 of 278 • Top 19.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.59%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.15%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline
#24 of 307 • Bottom 7.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.92%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

54
Total Loans
size
Value: $713.18M
Peer Median: $258.35M
#54 of 2643 Top 2.0% in $100M-$1B
71
Total Assets
size
Value: $930.52M
Peer Median: $386.57M
#71 of 2643 Top 2.6% in $100M-$1B
82
Total Deposits
size
Value: $782.58M
Peer Median: $326.73M
#82 of 2643 Top 3.1% in $100M-$1B
163
Net Interest Margin
profitability
Value: 5.15%
Peer Median: 3.99%
#163 of 2643 Top 6.1% in $100M-$1B
206
Non-Interest-Bearing Deposit Share
funding
Value: 36.59%
Peer Median: 22.03%
#206 of 2643 Top 7.8% in $100M-$1B
432
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#432 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (3 metrics)

2520
Nonperforming Asset Ratio
credit_quality
Value: 2.54%
Peer Median: 0.67%
#2520 of 2643 Bottom 4.7% in $100M-$1B
2359
Delinquency Rate
credit_quality
Value: 2.29%
Peer Median: 0.92%
#2359 of 2633 Bottom 10.4% in $100M-$1B
2014
Loan-to-Deposit Ratio
liquidity
Value: 91.13%
Peer Median: 77.95%
#2014 of 2643 Bottom 23.8% in $100M-$1B
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