Bank of Ann Arbor
Ann Arbor, MI
IDRSSD: 2390929
Total Assets
$3.30B
Latest filing
Total Deposits
$2.77B
Latest filing
Net Interest Margin
4.44%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Ann Arbor
125 S 5th Ave
Ann Arbor, MI 48104
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/16/1996FDIC Certificate 56263
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Bank of Ann Arbor (Main) | 125 S 5th Ave | Ann Arbor, MI |
| DRIVE-IN BRANCH | 110 E Washington St | Howell, MI |
| BRIGHTON TOWNSHIP BRANCH | 9911 E Grand River Ave | Brighton, MI |
| HARTLAND BRANCH | 10700 Highland Rd | Hartland, MI |
| FOWLERVILLE BRANCH | 760 S Grand Ave | Fowlerville, MI |
| VG'S IN-STORE BRANCH | 2400 W Grand River Ave | Howell, MI |
| CHALLIS ROAD BRANCH | 8080 Challis Rd | Brighton, MI |
| PLYMOUTH ROAD BRANCH | 2601 Plymouth Rd | Ann Arbor, MI |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/16/1996 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48104 |
| State and County Number | 26161 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Ann Arbor, MI |
Operational Info
| Number of Employees | 341 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/16/1996 |
| Primary Insurance Agency | DIF |
| Website | www.bankofannarbor.com |
| Data Updated | 11/14/2025 |
| CERT | 34120 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.30B |
| Total Deposits | $2.77B |
| Total Liabilities | $2.84B |
| Total Equity Capital | $462.82M |
| Net Income | $15.81M |
| Net Loans and Leases | $2.63B |
| Assets Per Employee ($Millions) | $10.28M |
| Bank Premises and Fixed Assets | $38.50M |
| Cash and Balances due from Depository Institutions | $173.50M |
| Deposits Held in Domestic Offices | $2.77B |
Key Performance Ratios
| Return on Assets (ROA) | 1.92% |
| Return on Equity (ROE) | 13.82% |
| Net Interest Margin | 4.44% |
| Efficiency Ratio | 45.7% |
| Tier 1 Risk-Based Capital Ratio | 13.009% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.026% |
| Earning Assets to total Assets | 91.57% |
Income and Expense
| Total Interest Income | $46.75M |
| Total Noninterest Income | $5.28M |
| Total Interest Expense | $13.30M |
| Total Noninterest Expense | $17.88M |
| Net Interest Income | $33.45M |
| Pre-tax Net Operating Income | $19.64M |
| Provision for Credit Losses | $1.21M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.61M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $39.69M |
| All Other Liabilities | $24.51M |
| Total Liabilities and Capital | $3.30B |
Securities
| Securities | $249.68M |
| Available-for-sale debt securities | $112.03M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $138.15M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Ann Arbor?
$3.30B as of the latest filing.
How much are Bank of Ann Arbor's total deposits?
$2.77B in total deposits.
Where is Bank of Ann Arbor located?
Ann Arbor, MI.
What is the Net Interest Margin?
4.44%.
How many domestic offices does it operate?
17.
When was it established?
01/16/1996.
What is the Return on Assets (ROA)?
1.92%.
How much are total loans and leases?
$2.63B (latest filing).
What is the total interest income (latest filing)?
$46.75M.