# OXFORD BANK
OXFORD, MI · FDIC certificate 9719 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $930.5M | |
| Deposits | $782.6M | |
| Loans and leases | $722.8M | |
| Total equity | $116.3M | |
| Loans / deposits | 91.13% (p73 of band) | 82.04% |
| Liquid assets / assets | 17.26% (p22 of band) | |
| Uninsured deposits / deposits | 27.71% (p57 of band) | 25.97% |
| Brokered deposits | 4.71% | |
| Wholesale funding | 7.26% (p68 of band) | |
| FHLB advances / assets | 2.47% | |
| Tier 1 leverage | 11.93% (p68 of band) | 10.81% |
| Unrealized securities loss / equity | -2.34% (p77 of band) | -8.10% |
| AOCI / equity | -0.70% (p33 of band) | |
| ROA (annualized) | 0.92% (p27 of band) | 1.28% |
| Net interest margin | 5.15% (p95 of band) | 3.91% |
| Efficiency ratio | 71.64% (p77 of band) | |
| Noncurrent loans | 2.26% (p90 of band) | 0.43% |
| Net charge-offs (annualized) | -0.04% (p3 of band) | |
| Reserve coverage of noncurrent | 59.16% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 35.58% (p43 of band) | |
| Auto loans | $910,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 156 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, leverage <5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | reserve under noncurrent |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 3 |  |  |
| 2012-12 | 1 |  | leverage <5% |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | leverage <7% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 0 |  | expense ratio p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 1 | capital falling | charge-offs p90 |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | charge-offs p90 |  |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 6 | noncurrent p90, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-06 | 2 |  | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-09 | 3 | noncurrent p90 |  |
| 2025-12 | 4 | uninsured deposits >50%, capital falling | charge-offs p90 |
| 2026-03 | 2 |  | uninsured deposits >50%, capital falling |
| 2026-06 | 3 | uninsured deposits leaving |  |

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

- 2026-08-17 [Oxford Bank Partners with Swaystack to Drive Customer Engagement - Finovate](https://news.google.com/rss/articles/CBMijwFBVV95cUxNeC1Ud3BDclV5YlBBLWh0UFJDQndEN0pMcG9BMnpPTUZvTXVnLUdqRmhKVVJiSl9JOUZoLVZRNGJDYzZpa0NDZVA1eWhpQWxqUU1POXRYYkI4MjhISlZRVFFmdEJ2ekRFMkRGa3RJWjBCOTd5TnEyNnFMTThxMXM2amxEVWdNMFhiQjBzMTdtdw?oc=5) · Finovate
- 2026-08-03 [OXFORD BANK CORPORATION ANNOUNCES SECOND QUARTER 2026 OPERATING RESULTS - PR Newswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxQUUZPQkV5eW9tb2JSOVY1R25YRmpxdDhhdUxpdnlLdXNGckRNUHhwRVB0a21rdTl1aVJfWlFIc1B6WUtJUEQ3bmVPX2ZoOTNKRXFYT2t2OUlVdmxmRDBIeUpaNFBqeTMydVQyNmt1MG9IZ0hHWXJ1M3psSkNxNnRwN1B0eFlFMFYxVzdoRmplWkJPREphblJpbWdFeEZFTWsxdHFqUElYVkdtdndlU29jQVpHMVdTY2hGVXZQbTRxelljakFRVXc?oc=5) · PR Newswire
- 2025-11-18 [Q&A with David Lamb, Chairman, President and CEO of Oxford Bank - citybiz.co](https://news.google.com/rss/articles/CBMioAFBVV95cUxOdld3aC1rcWtoVkNNNUtraTAxZmUtdGd0emt0TDNTSlA1X0lJVGRpdXZLRUlzeUdjOWg4dkxFaFhrOV9GVHFUSnQ4YjE4dnVLWTc2eGdjNGlxaWlidGJ2aXZCX2tPaGpaaXBPbm1HRV9JQWpaczItYkNNaWFXVnp3NHZILVYwV3NmWjhBMVRsMmhybkZfT1Njc0lNY3JIM2hS?oc=5) · citybiz.co
- 2025-10-31 [Oxford Bank Announces Modern Remodel Underway for Lake Orion Branch - citybiz.co](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPU3dxLWtnNEpIZ3hjUlZFNlA1OEY3VW8yV2ZIX3pjUUtER1VPaXpzV0pWenBUMjJjZjVUUXdEa1FrT0NGT0lOLTZHdXlkcTFoOHJNTkg0ZkZFYnNDR3owb2xPRVdJTGJfb1Q1aGFhZmV4MTJ4MXdCajdGMzB4d1BnTmFkSWtkZTV5Z2VCS1BuQ1lPUjVzSUs0OEppRE94VHpUQ3ltMVhYWHV5Zw?oc=5) · citybiz.co
- 2025-06-03 [Mich. bank embraces business once seen as an ugly stepchild - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxOUks3bHlvZ3NjZTByaVBybkZKc2xBTGdNWDVqREsydUVGS3pfQjNUNjJna05SS24zMm9jWm0zOFBxQVhRVG5ZMkJoS1NWS3E4cU5RU0ppMjctdURHTWtHWHF3Zy0ySG5qRmxQUFBvOTlpdkJYdjJxRUdoSjhVUjdBTXNDc2dfdkRzSHpiWjR6Mmx4RmJHOGVSczV3?oc=5) · American Banker
- 2024-10-15 [Oxford Bank celebrates 140 years with tech, financial education - ATM Marketplace](https://news.google.com/rss/articles/CBMipgFBVV95cUxNNWRjUTVVY2E1VHVwem9tT3FDdUM4ZU5WSENid0NTOXlWTy1PT0g4NkFkd2Uwb1dfc3JkU2lUUWY5Y2lqUDczUWFoRmp1eDhfYi1uOU9sZ0FLcWhMR0IwX0F2ZFQtUmNKc1RzSmJyZ1ZHejlnS2NBN2lOTnNlZGVYbzdpM3U3OGZVQ2hjV0NTWFI0XzJ2TXJwOU9oRGlLWVlodWlQc3pB?oc=5) · ATM Marketplace
- 2024-10-23 [OXFORD BANK CORPORATION ANNOUNCES CHIEF FINANCIAL OFFICER TRANSITION - PR Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPVjNYRGFSN3lOMVp1S3ZfUlZkakV0MmVjblZfX2VJcDBYN1JmSjlocnFIZm5SWHljbnhkY2ZjREFZQUd1aUFtZDVpMGFIaF9kNklRLXhBLWd0M21telBmWnRFWGxiYnNiNjlXeVdtVkprTG50dVNkekdKZXZNZjdnQVNVa3dPNXZuM1hYS1hoOVRZWFU2WUhhdkRxRFNuYlgtVUpjTHJCemVrUU5PNTBrZEd4WVdJRDE5WTFiRExZeEJMUQ?oc=5) · PR Newswire
- 2024-08-13 [A Michigan bank's next big move may push it closer to Detroit - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQcmNoRzE0VWlOU1ZxZzNPVUFmeGxxdlI1aHA0WFE3SmxTT1dVWGJKR2RrUlJZckljNFNSMUpabkFSZ0hkT2FpY3Z0OV9FVm9jTUFzWC13WlhxbHhGMW9oUnFLbDlNT21zNHE3cF83WlZWSGZtb1R5dEwxQ1RFMDNIUEdrdjRDQUVqb19pTXJaS2ExaWhjRGw2QWZHWS0?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9719 (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/55.json (key "9719", 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