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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
Deterministic ratios for OXFORD BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $843M |
|---|---|
| Net loans and leases | $717M |
Plain-language readout
OXFORD BANK in Oxford, MI funds its loans with $843M of deposits and holds $717M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for OXFORD BANK in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Brokered deposits to domestic deposits: 0.039 against a peer median of 0.022, a 58.2th percentile position among 900 peers. Common equity tier 1 ratio: 0.139 against a peer median of 0.134, a 60.4th percentile position among 715 peers. Selected CRE loans to gross loans and leases: 0.600 against a peer median of 0.469, a 80.4th percentile position among 857 peers. Selected CRE loans to total capital: 3.471 against a peer median of 3.014, a 66.1th percentile position among 700 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 85.02% in Q3 2026, against 67.68% in Q4 2025. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $717M | $843M | 85.02% |
| Q2 2026 | $713M | $783M | 91.13% |
| Q1 2026 | $692M | $753M | 91.97% |
| Q4 2025 | $653M | $965M | 67.68% |