Oxford Bank (FDIC certificate #9719) is based in Oxford, Michigan. Its Q2 2026 call report shows $930.5M in total assets and $782.6M in deposits and 9 offices.
Based on its Q2 2026 filing, Oxford Bank scores 53/100, which we describe as below average. That is higher than only 9% of 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 64th. Its strongest component is capital cushion (69/100; 11.93%), and its lowest is loan quality (25/100; 2.26%).
TellerScore · Q2 2026
Scorecard
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 fell 9 points (62 → 53), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 60 |
| Q1 2025 | 58 |
| Q2 2025 | 62 |
| Q3 2025 | 55 |
| Q4 2025 | 50 |
| Q1 2026 | 48 |
| Q2 2026 | 53 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.02% |
| Q3 2024 | 11.12% |
| Q4 2024 | 11.28% |
| Q1 2025 | 11.99% |
| Q2 2025 | 12.13% |
| Q3 2025 | 11.86% |
| Q4 2025 | 10.54% |
| Q1 2026 | 11.04% |
| Q2 2026 | 11.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.54% |
| Q3 2024 | 1.54% |
| Q4 2024 | 1.60% |
| Q1 2025 | 2.23% |
| Q2 2025 | 1.66% |
| Q3 2025 | 2.38% |
| Q4 2025 | 2.35% |
| Q1 2026 | 2.14% |
| Q2 2026 | 2.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.46% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.40% |
| Q4 2025 | 1.26% |
| Q1 2026 | 0.66% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $930.5M | 11.93% | 2.26% | 0.92% | 91.1% |
| Q1 2026 | 48 | $902.1M | 11.04% | 2.14% | 0.66% | 92.0% |
| Q4 2025 | 50 | $1.1B | 10.54% | 2.35% | 1.26% | 67.7% |
| Q3 2025 | 55 | $915.3M | 11.86% | 2.38% | 1.40% | 82.5% |
| Q2 2025 | 62 | $859.5M | 12.13% | 1.66% | 1.43% | 85.5% |
| Q1 2025 | 58 | $823.9M | 11.99% | 2.23% | 1.46% | 86.7% |
| Q4 2024 | 60 | $811.4M | 11.28% | 1.60% | 1.26% | 86.5% |
| Q3 2024 | 62 | $870.5M | 11.12% | 1.54% | 1.38% | 77.7% |
| Q2 2024 | 62 | $821.2M | 11.02% | 1.54% | 1.39% | 83.4% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Independence BankBank Detroit, MI | 74 out of 100, Strong | $875.3M | 10.8% | 0.71% | vs |
| First National Bank of MichiganBank Kalamazoo, MI | 60 out of 100, Moderate | $988.9M | 9.5% | 0.80% | vs |
| West Shore BankBank Ludington, MI | 56 out of 100, Moderate | $833.6M | 9.8% | 1.24% | vs |
| Thumb Bank and TrustBank Pigeon, MI | 77 out of 100, Strong | $673.3M | 9.4% | 0.03% | vs |
| Tri-County BankBank Brown City, MI | 78 out of 100, Strong | $638.6M | 13.6% | 1.30% | vs |
| First Bank, Upper MichiganBank Gladstone, MI | 81 out of 100, Strong | $629.5M | 12.7% | 0.63% | vs |
Deposit insurance
Is my money safe at Oxford Bank?
Yes. Oxford Bank is an FDIC-insured institution (FDIC certificate #9719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.7% of deposits ($216.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.39% (benchmark: 10%).
9 locations
Branches
Oxford Bank lists 7 offices in 7 cities. Most locations:
- Clarkston, MI (1)
- Davison, MI (1)
- Dryden, MI (1)
- Lake Orion, MI (1)
- Oakland Township, MI (1)
- Ortonville, MI (1)
- Oxford, MI (1)
Identity & history
Profile
- Legal name
- Oxford Bank
- Former names
- Oxford Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 9719
- RSSD ID
- 448040
- Primary regulator
- FED
- Holding company
- Oxford Bank Corp
- Established
- June 4, 1884
- Headquarters
- 60 S Washington St, Oxford, MI 48371
- Website
- www.oxfordbank.com
- Employees
- 156
Quick answers
Oxford Bank: common questions
Is Oxford Bank FDIC insured?
Yes. Oxford Bank is an FDIC-insured institution (FDIC certificate #9719). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Oxford Bank's TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Oxford Bank ever failed?
There is no failure record for FDIC certificate #9719 in the FDIC failed bank list.
How many branches does Oxford Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oxford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Sovita Credit UnionCredit union Flint, MI | 90 out of 100, Very strong | $592.0M | 16.1% | 0.31% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |
| Cha-Tel Federal Credit UnionCredit union Charleston, WV | 86 out of 100, Very strong | $11.5M | 13.6% | 0.04% | vs |
| Zeal Credit UnionCredit union Livonia, MI | 83 out of 100, Strong | $1.1B | 19.8% | 1.50% | vs |
| Westacres Credit UnionCredit union West Bloomfield, MI | 82 out of 100, Strong | $7.1M | 13.5% | 0.00% | vs |