TellerScore

Headquartered in Ann Arbor, Michigan, Bank of Ann Arbor is a state-chartered bank with $3.5B in total assets and $2.8B in deposits as of Q2 2026. It operates 18 offices. Its charter dates back to 1996.

Based on its Q2 2026 filing, Bank of Ann Arbor scores 82/100, which we describe as strong. That is higher than 93% of 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 7th. Its strongest component is earnings (99/100; 1.98%), and its lowest is funding & liquidity (36/100; 93% loans-to-deposits, 44% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.17%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings99/100
Return on assets (annualized): 1.98%
Funding & liquidity36/100
Loans ÷ deposits and uninsured-deposit share: 92.6% · 44.0% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.76%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (77 → 82), mostly because the funding & liquidity component improved by 11 points.

TellerScore
747882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202475
Q1 202576
Q2 202577
Q3 202577
Q4 202578
Q1 202679
Q2 202682
Tier 1 leverage ratio
5.00%9.08%13.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.63%
Q3 202411.70%
Q4 202412.05%
Q1 202511.89%
Q2 202512.26%
Q3 202512.22%
Q4 202512.91%
Q1 202612.86%
Q2 202613.17%
Noncurrent loans
0.07%0.21%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.07%
Q4 20240.20%
Q1 20250.18%
Q2 20250.16%
Q3 20250.25%
Q4 20250.26%
Q1 20260.35%
Q2 20260.27%
Return on assets
1.58%1.78%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.69%
Q4 20241.58%
Q1 20251.69%
Q2 20251.73%
Q3 20251.79%
Q4 20251.72%
Q1 20261.91%
Q2 20261.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$3.5B13.17%0.27%1.98%92.6%
Q1 202679$3.3B12.86%0.35%1.91%97.4%
Q4 202578$3.3B12.91%0.26%1.72%98.2%
Q3 202577$3.3B12.22%0.25%1.79%94.8%
Q2 202577$3.3B12.26%0.16%1.73%100.2%
Q1 202576$3.2B11.89%0.18%1.69%93.7%
Q4 202475$3.2B12.05%0.20%1.58%96.3%
Q3 202476$3.2B11.70%0.07%1.69%94.5%
Q2 202474$3.1B11.63%0.19%1.61%102.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.17%
86th
Total risk-based capital15.42%
72nd
Problem loans0.27%
70th
Net charge-offs0.07%
36th
Return on assets1.98%
88th
Net interest margin4.41%
85th
Efficiency ratio44.4%
89th
Loans to deposits92.6%
33rd
Uninsured deposits44.0%
19th
Loan-loss reserves1.23%
63rd
Texas ratio1.8%
72nd

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Macatawa Bank, National AssociationBank Holland, MI76 out of 100, Strong$3.7B10.7%0.08%vs
ChoiceOne BankBank Sparta, MI61 out of 100, Moderate$4.5B9.3%1.00%vs
Isabella BankBank Mount Pleasant, MI62 out of 100, Moderate$2.2B8.9%0.49%vs
Southern Michigan Bank & TrustBank Coldwater, MI56 out of 100, Moderate$1.7B9.0%0.92%vs
The Dart BankBank Mason, MI46 out of 100, Below average$1.5B8.6%1.75%vs
County National BankBank Hillsdale, MI41 out of 100, Below average$1.4B9.3%2.62%vs

Deposit insurance

Is my money safe at Bank of Ann Arbor?

Yes. Bank of Ann Arbor is an FDIC-insured institution (FDIC certificate #34120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.0% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.42% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

Bank of Ann Arbor lists 17 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Ann Arbor reported 210 home-loan applications under HMDA (LEI 549300PI8J8CV6B53I58): 155 originated ($65,545,000 total), 10 denied, and 38 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Ann Arbor
Type
State-chartered bank
FDIC certificate #
34120
RSSD ID
2390929
Primary regulator
FDIC
Holding company
Arbor Bcorp Inc
Established
January 16, 1996
Headquarters
125 S 5th Ave, Ann Arbor, MI 48104
Employees
319

Quick answers

Bank of Ann Arbor: common questions

Is Bank of Ann Arbor FDIC insured?

Yes. Bank of Ann Arbor is an FDIC-insured institution (FDIC certificate #34120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Ann Arbor's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Ann Arbor ever failed?

There is no failure record for FDIC certificate #34120 in the FDIC failed bank list.

How many branches does Bank of Ann Arbor have?

18 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ann Arbor

InstitutionScoreAssetsCapitalProblem loansCompare
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs
Wayne-Westland Federal Credit UnionCredit union Westland, MI83 out of 100, Strong$161.2M11.3%0.47%vs
DFCU Financial Credit UnionCredit union Dearborn, MI82 out of 100, Strong$8.0B12.6%0.63%vs
Michigan Columbus Federal Credit UnionCredit union Livonia, MI82 out of 100, Strong$75.0M16.6%1.01%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs