Side-by-side · Q2 2026 data
Oxford Bank vs First National Bank of Michigan
Metric by metric
| Measure | Oxford Bank | First National Bank of Michigan |
|---|---|---|
| TellerScore | 53 | 60 (stronger) |
| Capital cushion | 69 (stronger) | 45 |
| Loan quality | 25 | 73 (stronger) |
| Earnings | 57 | 59 (stronger) |
| Funding & liquidity | 55 (stronger) | 50 |
| Problem-loan coverage | 63 | 87 (stronger) |
| Peer percentile | 9th | 19th |
| Total assets | $930.5M | $988.9M |
| Deposits / shares | $782.6M | $807.2M |
| Capital ratio | 11.93% (stronger) | 9.54% |
| Problem loans | 2.26% | 0.80% (stronger) |
| Net charge-offs | -0.06% (stronger) | -0.00% |
| Return on assets | 0.92% | 0.98% (stronger) |
| Loans ÷ deposits | 91.1% (stronger) | 100.9% |
| Uninsured deposits | 27.7% | 23.2% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Michigan has the higher TellerScore (60 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Oxford Bank leads on 3 and First National Bank of Michigan on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.