# BANK OF ANN ARBOR
ANN ARBOR, MI · FDIC certificate 34120 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.50B | |
| Deposits | $2.84B | |
| Loans and leases | $2.67B | |
| Total equity | $499.0M | |
| Loans / deposits | 92.61% (p67 of band) | 87.10% |
| Liquid assets / assets | 16.87% (p31 of band) | |
| Uninsured deposits / deposits | 43.99% (p81 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.22% (p36 of band) | |
| FHLB advances / assets | 2.57% | |
| Tier 1 leverage | 13.17% (p86 of band) | 10.50% |
| Unrealized securities loss / equity | -3.02% (p74 of band) | -7.75% |
| AOCI / equity | -0.14% (p62 of band) | |
| ROA (annualized) | 1.98% (p87 of band) | 1.26% |
| Net interest margin | 4.41% (p85 of band) | 3.70% |
| Efficiency ratio | 44.40% (p12 of band) | |
| Noncurrent loans | 0.27% (p30 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p65 of band) | |
| Reserve coverage of noncurrent | 448.70% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 23.98% (p21 of band) | |
| Auto loans | $4.2M (0.16% of loans; DQ 0.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 319 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 0 |  | leverage <7%, reserve under noncurrent |
| 2011-09 | 3 | brokered >10%, wholesale funding >15%, leverage <7% |  |
| 2011-12 | 2 |  | wholesale funding >15% |
| 2012-03 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2012-06 | 2 |  | leverage <7%, uninsured deposits leaving |
| 2012-09 | 3 | leverage <7% |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 1 |  | wholesale funding >15%, leverage <7%, capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | wholesale funding >15% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2014-09 | 2 | brokered >10%, wholesale funding >15% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2015-09 | 2 | brokered >10%, wholesale funding >15% |  |
| 2015-12 | 1 |  | brokered >10% |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | wholesale funding >15% |
| 2016-09 | 2 | brokered >10%, wholesale funding >15% |  |
| 2016-12 | 0 |  | brokered >10%, wholesale funding >15% |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits >50% |  |
| 2019-09 | 0 |  | uninsured deposits >50% |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | uninsured deposits >50%, capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | uninsured deposits >50% |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2023-12 | 1 | charge-offs p90 | deposits shrinking |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 1 | loans exceed deposits |  |
| 2024-09 | 0 |  | loans exceed deposits |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | loans exceed deposits |  |
| 2025-09 | 0 |  | loans exceed deposits |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-10 [Washtenaw Business Lens: Challenging times for businesses and the banking industry - WEMU](https://news.google.com/rss/articles/CBMi2gFBVV95cUxONUVoREU2RUUyWnY2Y1N2bk5yQzBQYU1kZVkxaEJhQzJybTUzX1VYVkJWQWlPLWZnRVNIR1JKZWJpT2Ixc0QzRXROLWtSUUJFMlRmYlV5aDFiY1hDQTY1ajlVLVhQRksxeFBQaXVTdFRId1I0djR0b3hyNVE1SmhGbUI5c1pNa2ppcFdmOWxEc3lkekl0UEl3TWNoM0o1LS1qS25QMWhTN01UZXZhdzZmbXhZampLYnIxd1Rmd3QwTFJtUjhBZkNULXozYmlFc1JBRXJzc3Z6OThSZw?oc=5) · WEMU
- 2025-11-14 [Bank of Ann Arbor Closes Three New Transactions - ABF Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxOODZqSHdPVjNHWkVKdl9vUlMyQVcwa1VyVjNOTGsxcm1HQjZiLXBCWXNsT1lXdjdWU1N6WXl2dUVkTDJObFBFOGxfV0s3WXBMV1JnN0oyTkJhcXNzQVRjTkFUTzBBazRzaWNxTG9uMFVEVjVHcXF0TjNLUzgyV2Qzcw?oc=5) · ABF Journal
- 2026-05-30 [Barbara Furman Obituary (04/13/1940 - 05/18/2026) - Ann Arbor, MI - Ann Arbor News - MLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPaXRKUHdkdEF1eVpoYl82N3dNdkJrWmEzaWlRcjhYQ21lWGQ5WEtSZHl6Y1hvOFZjSGdaS3h4LU1SZ25JallVVl9sZjNUczl6UnEwOTEtTGh4MVpQT3FIX0ZUV2NCelVZUU1Fam5FNXh0cmEwLUxZTTRYTzFKbGlvUk5NWHpZZ2RUYVNDdWxpYlE?oc=5) · MLive.com
- 2026-04-15 [Storms tear through Ann Arbor, University of Michigan - The Detroit News](https://news.google.com/rss/articles/CBMizgFBVV95cUxQWWZNXzRxRmNBN09Qa0NZYl9TMjMtaWVGODVON185bEJ4MWlIeU5JTlFrRDRSTWNrNFpqRnRUa2FCcWNadmJNNFlQd2tfdWZNTjV2TVhnMlBSTlUteFQzWkNlSUlNU2dsOEM1SzhFQlRRZ0hNaWpUV0g2ZWJMUlVrMXYzalladjhqaDl5R0tuaGw0Z1lXSlc3VDEyb0Z5RkJibzZtTno4S1JRSk5MRWVjYlpWRzV0eHRNMXhfUktYX2lDQktsRFVhRGdHa0ppdw?oc=5) · The Detroit News
- 2026-05-20 [Barbara Furman Obituary (2026) - Ann Arbor, MI - Nie Family Funeral Home & Cremation Service, Inc. - Liberty Road Chapel - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNUHNDMkZ6Ymc0c3pJMWNvQnJVenBaTmlLNzc3dTk5aER6T0tNakdZR3dzZGZJQ2pwTVdOUEV0TkVwWm5UT1RPdHB1SFhDMEhDWjJoWUhObUVnNlNkOVJZMTFWOWMxVWZmZkNRZTM1STh4NGRaTXYtLXctRnhyQy1iLWdXRQ?oc=5) · legacy.com
- 2021-12-20 [The Bank that Grew - Ann Arbor Observer](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9VVGZ6ajZxcGJBMzZVVTdYOXNtOHRhSVBQM1lXZnBEOV8xcktwSjVNOVVkamtibXI4RkhZalE4enYwREEwMEhaRHRNN0dTcFExMWh0TDMycFowaDhB?oc=5) · Ann Arbor Observer
- 2025-10-27 [New banking strategy focuses on the 313 to make small business loans in Detroit - Detroit Free Press](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPaVVkanhETnJQTUR6VTdxcXR5ek1HUk9UZFBRZG5tZ3pwWmVpYXlTWlpjT3dHSlJVLXhsTlhtRUhROWJ0VGhhcmJGRnlJbGtXS1JzQ2JSU29vMXh4dG5Pbk04QnVNNlBuanZGOWlJS0J2TFdIQk5aaWhoUVp0T01XN2RnV3lsQlJKOHBJVUFpNEpLazItTUtQbnVBUjcwdnZJeDZDM3Z1ZEJKS0hzNkxKUWQ3SldsTzNwMkNiTWlkakd3aUo1X3BOcw?oc=5) · Detroit Free Press
- 2025-07-10 [Founder steps down, but Bank of Ann Arbor stays on its path - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxPcE85WmxwcjJ4TXo2N21zTFpZUG1uVlhqalh6WG5RTXhMaWczUnNlbm4xTDVSam5PajZLTTdVQ3U5eW5vd1lORXJZQTdnZWdwaDd6X1lVR1E0aVR3UWthUm8zWGFFSDMtRDdaZ0JLbWJDMFJySTFDVTg5VVlFUGtMWnA5SkdvdF9SRnQ4cnF2b0t6cW8tVmt2c1JR?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34120 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "34120", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide