BlastPoint's Banking Scorecard

Oxford Bank

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

Oxford, MI

9 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in 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 22.8% in tier

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 1.62% above tier average
- ROA 0.61% below tier average
- Efficiency Ratio 6.15% above tier average
- Delinquency Rate 1.28% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$902.1M +9.5% YoY -17.2% QoQ	+$516.0M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	Top 3.6% in tier
Total Loans ?	$692.4M +12.6% YoY +6.0% QoQ	+$436.7M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	Top 2.6% in tier
Total Deposits ?	$752.8M +6.0% YoY -22.0% QoQ	+$424.8M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	Top 4.5% in tier
Return on Assets ?	0.66% -54.9% YoY -47.9% QoQ	-0.61%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	19%
Net Interest Margin ?	4.93% -8.2% YoY -7.4% QoQ	+1.00%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Top 8.3% in tier
Efficiency Ratio ?	71.44% +3.2% YoY +10.0% QoQ	+6.15%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	2.17% -3.9% YoY -8.9% QoQ	+1.28%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	Bottom 10.9% in tier
Loan-to-Deposit Ratio ?	91.97% +6.1% YoY +35.9% QoQ	+15.33%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	38.00% -9.7% YoY +25.2% QoQ	+15.98%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 6.4% in tier
Nonperforming Asset Ratio ?	2.26% +34.0% YoY +17.0% QoQ	+1.62%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	Bottom 5.1% in tier
Tier 1 Capital Ratio ?	13.29% -5.0% YoY -4.7% QoQ	-2.54%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.19% -12.2% YoY -65.2% QoQ	-0.09%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#63 of 272 • Top 22.8% 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: 38.00%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.93%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Total Loans

size

Value: $692.37M

Peer Median: $255.72M

#70 of 2664 Top 2.6% in $100M-$1B

Total Assets

size

Value: $902.08M

Peer Median: $386.08M

#97 of 2664 Top 3.6% in $100M-$1B

122

Total Deposits

size

Value: $752.80M

Peer Median: $327.97M

#122 of 2664 Top 4.5% in $100M-$1B

172

Non-Interest-Bearing Deposit Share

funding

Value: 38.00%

Peer Median: 22.02%

#172 of 2664 Top 6.4% in $100M-$1B

223

Net Interest Margin

profitability

Value: 4.93%

Peer Median: 3.93%

#223 of 2664 Top 8.3% in $100M-$1B

433

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#433 of 2664 Top 16.2% in $100M-$1B

Top Weaknesses (4 metrics)

2528

Nonperforming Asset Ratio

credit_quality

Value: 2.26%

Peer Median: 0.64%

#2528 of 2664 Bottom 5.1% in $100M-$1B

2366

Delinquency Rate

credit_quality

Value: 2.17%

Peer Median: 0.89%

#2366 of 2654 Bottom 10.9% in $100M-$1B

2161

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.27%

#2161 of 2664 Bottom 18.9% in $100M-$1B

2119

Loan-to-Deposit Ratio

liquidity

Value: 91.97%

Peer Median: 76.64%

#2119 of 2664 Bottom 20.5% in $100M-$1B