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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Oxford, MI · FDIC certificate #9719 · RSSD 448040
OXFORD BANK is an FDIC-insured institution based in Oxford, MI (FDIC certificate #9719). In its Q3 2026 Call Report it reported total assets of $969M, total deposits of $843M and net loans of $717M. Its primary federal regulator is FED. Its current parent is OXFORD BANK CORPORATION.
Reported facts
OXFORD BANK (FDIC certificate #9719) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $969M |
|---|---|
| Total deposits | $843M |
| Net loans and leases | $717M |
| Return on assets | 1.15% |
| Return on equity | 9.85% |
| Net interest margin | 5.33% |
| Quarterly asset change | 4.18% |
| Quarterly deposit change | 7.70% |
Plain-language readout
OXFORD BANK in Oxford, MI reported total assets of $969M, total deposits of $843M and net loans of $717M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.15%, a return on equity of 9.85%, a net interest margin of 5.33%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $969M | $843M | $717M | 1.15% | 9.85% | 5.33% |
| Q2 2026 | $931M | $783M | $713M | 0.92% | 7.89% | 5.15% |
| Q1 2026 | $902M | $753M | $692M | 0.66% | 5.83% | 4.93% |
| Q4 2025 | $1.1B | $965M | $653M | 1.26% | 10.69% | 5.32% |
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