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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Michigan, the state note

Oxford Bank

Oxford, Michigan · $931M in assets · beside the 11 other Michigan banks between $300M and $1B

The filing

2.26%
NPA / loans
12th of 12
0.6x
Coverage of noncurrent
12th of 12
92.4%
Loans / deposits
10th of 12

Oxford Bank is the second largest of the 12 Michigan banks nearest its size between $300M and $1B, with $931M in assets at 30 June 2026. Loans are 92.4% of deposits, 10th of 12 against a median of 81.3%, and equity is 12.3% of assets, 4th of 12. Loans grew +13.8% in the year, 5th of 12, and deposits grew 6.7%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 2.26% of the book, the highest in the cohort against a median of 0.63%; 0.02% is 30 to 89 days past due, and the allowance covers them 0.6 times. Commercial real estate is 22.5% of loans, 4th of 12 against a median of 26.1%, and 136% of capital, below the 300% screen, with construction at 35% against the 100% screen.

Return on assets is 0.97%, 10th of 12 against a median of 1.46%, on an efficiency ratio of 71.6%, 10th of 12. Five years ago it was 1.74%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansMI banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.63% TB Thumb Bank & Trust 0.03% RB Range Bank 0.03% HC Highpoint Community Bank 0.04% CS Citizens State Bank 0.18% CB Commercial Bank 0.39% FB First Bank Upper Michigan 0.63% EM Eastern Michigan Bank 0.63% FI First Independence Bank 0.71% FN First National Bank of Michigan 0.80% WS West Shore Bank 1.24% TB Tri-county Bank 1.30% OB Oxford Bank 2.26%
Loans, year over yearMI banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +9.2% CS Citizens State Bank +55.0% FI First Independence Bank +35.9% TB Thumb Bank & Trust +15.8% TB Tri-county Bank +14.3% OB Oxford Bank +13.8% WS West Shore Bank +10.1% HC Highpoint Community Bank +8.2% FN First National Bank of Michigan +6.5% RB Range Bank +4.7% FB First Bank Upper Michigan +2.9% CB Commercial Bank -4.4% EM Eastern Michigan Bank -6.7%

SBA 7(a), FY2008 to FY2026

Oxford Bank is the 15th largest 7(a) lender into Michigan of 364, with $148M across 257 loans, 1.2% of everything approved in the state (The Huntington National Bank leads with $3.53B). 8 of its 23 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Michigan, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Oakland, MI$65M8th of 1852.7%-1.9 pts
Wayne, MI$29M13th of 1641.6%+0.0 pts
Macomb, MI$21M10th of 1261.8%-1.3 pts
Genesee, MI$10M6th of 882.2%-1.1 pts
Livingston, MI$5M13th of 721.8%-1.9 pts
Escambia, FL$4M23rd of 1001.1%quiet FY2018
Washtenaw, MI$3M27th of 930.7%thin
Kent, MI$3M49th of 1240.3%-0.1 pts
Lenawee, MI$3M9th of 373.0%quiet FY2018
Iosco, MI$2M4th of 1611.4%quiet FY2021
Shiawassee, MI$2M7th of 343.0%-9.6 pts
Saint Clair, MI$1M17th of 490.9%thin
Lapeer, MI$1M14th of 431.6%+2.5 pts
10 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services65$32M21.0%0.04%292nd of 2,596
Manufacturing33$26M16.7%0.06%250th of 2,246
Retail trade32$15M10.1%0.03%368th of 2,589
Health care & social assistance21$12M7.8%0.03%348th of 2,172
Wholesale trade12$11M7.1%0.04%281st of 1,651
7(a) lenders into Michigan, share of approvals since FY2008364 lenders on record; the ten largest and Oxford Bank
TH The Huntington National Bank 28.0% $3.53B · 19,577 loans FT Fifth Third Bank 7.1% $895M · 2,010 loans LO Live Oak Banking Company 4.7% $589M · 456 loans CB Choiceone Bank 3.3% $418M · 795 loans JC JPMorgan Chase Bank, National Ass… 2.7% $338M · 2,073 loans ON Old National Bank 2.6% $330M · 438 loans BB Byline Bank 1.8% $226M · 212 loans FI First Internet Bank of Indiana 1.7% $216M · 160 loans FM First Merchants Bank 1.7% $212M · 421 loans Bo Bank of Ann Arbor 1.6% $201M · 386 loans OB Oxford Bank 1.2% $148M · 257 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Oxford BankRankCohort median
Total CRE against capital, the 300% screen136%4th of 12162%
Construction against capital, the 100% screen35%6th of 1236%
Construction and land development, share of loans5.7%7th of 125.7%
Non-owner-occupied nonfarm nonresidential, share of loans15.0%7th of 1214.6%
Total CRE, the guidance definition, share of loans22.5%4th of 1226.1%
CRE growth over 36 months, the third prong+12.2%2nd of 12+45.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Michigan$989M1.0%58.7%0.80%0.00%1.4%102.4%9.1%
Oxford Bank$931M1.0%71.6%2.26%-0.06%1.3%92.4%12.3%
First Independence Bank$875M2.0%69.8%0.71%1.98%2.0%76.1%9.4%
West Shore Bank$834M0.8%76.6%1.24%0.00%0.9%91.6%9.4%
Thumb Bank & Trust$673M1.6%57.3%0.03%0.00%1.1%70.3%9.5%
Tri-county Bank$639M2.2%39.5%1.30%-0.02%1.1%94.3%12.8%
First Bank Upper Michigan$629M2.0%59.0%0.63%0.07%1.1%85.4%13.3%
Range Bank$604M1.5%59.2%0.03%-0.01%1.3%72.4%10.9%
Highpoint Community Bank$592M0.8%73.1%0.04%0.00%1.1%68.9%8.3%
Citizens State Bank$581M1.8%42.1%0.18%0.25%1.1%85.9%8.3%
Eastern Michigan Bank$554M1.4%62.5%0.63%-0.07%1.2%42.8%17.7%
Commercial Bank$553M1.3%63.1%0.39%0.01%0.9%77.2%10.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Oxford BankCohort median
20212026Change20212026Change
Loans$527M$723M+37%$271M$453M+67%
Deposits$648M$783M+21%$449M$543M+21%
NPA / loans0.33%2.26%+1.93 pts0.46%0.63%+0.17 pts
Efficiency47.5%71.6%+24.2 pts63.0%60.8%-2.2 pts
ROA1.74%0.97%-0.78 pts1.00%1.46%+0.46 pts

This read was prepared for Oxford Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Oxford Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MI banks $300M to $1B
Institution www.oxfordbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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