Oxford Bank

BankOxford, Michigan
www.oxfordbank.com

Total Assets

$1.1B

Total Deposits

$965.1M

Branches

9

Established

1884

TFS Health Grade

$
D

64.0 / 100

Below average financial health

How we grade

Oxford Bank is a bank headquartered in Oxford, Michigan, established in 1884. With $1.1B in total assets and 9 branch locations, it has a TFS Financial Health Grade of D (64.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.54%(8%)
Total Capital Ratio
15.06%(10%)
Non-Performing Loan Ratio
2.35%

Profitability

Return on Assets (ROA)
1.26%(1%)
Return on Equity (ROE)
10.69%(10%)
Net Interest Margin
5.32%
Efficiency Ratio
64.94%(60%)

Lending & Liquidity

Total Loans
$661.3M
Loan-to-Deposit Ratio
67.68%
Net Charge-Off Ratio
0.43%

Growth

Asset Growth (YoY)
+34.20%
Deposit Growth (YoY)
+38.06%
Net Income
$11.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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