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Bank Of Ann Arbor

IDRSSD: 2390929
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 2390929 held $3.3B in total assets as of 2026-03-31 (-0.4% quarter-over-quarter). Total loans stood at $2.7B (-1.1% QoQ) and total deposits at $2.7B (-0.1% QoQ).

Overall position is adequate — the composite Health Score is 60/100 (Adequate). Tier 1 / RWA stands at 13.54%, in the above median of peers. Asset quality (NPL ratio) sits in the above median of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
60/100
Adequate
Active Alerts
2
0 critical, 1 warning
Total Assets
$3.3B
-0.4% QoQ
Total Loans
$2.7B
-1.1% QoQ
Total Deposits
$2.7B
-0.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.54%
52th pctile · n=300↑ better
+31 bp QoQ
CET1 / RWA
13.54%
62th pctile · n=366↑ better
+31 bp QoQ
Total RBC / RWA
14.69%
52th pctile · n=300↑ better
+36 bp QoQ
Tier 1 Leverage Ratio
13.54%
60th pctile · n=366↑ better
+31 bp QoQ

Liquidity

Cash / Assets
4.92%
44th pctile · n=366↑ better
+32 bp QoQ
Loans / Deposits
97.22%
77th pctile · n=364↓ better
-101 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.35%
33th pctile · n=366↓ better
+10 bp QoQ
NPA / Assets
0.32%
36th pctile · n=366↓ better
+8 bp QoQ
Texas Ratio (regulatory)
2.38%
30th pctile · n=366↓ better
+53 bp QoQ
Net Charge-Offs / Avg Loans
0.04%
57th pctile · n=366↓ better
+2 bp QoQ
ALLL Coverage of NPL
346.48%
72th pctile · n=366↑ better
-10683 bp QoQ

Earnings

Net Interest Margin
4.42%
86th pctile · n=366↑ better
-2 bp QoQ
Return on Assets
1.91%
86th pctile · n=366↑ better
+40 bp QoQ
Return on Equity
13.28%
63th pctile · n=366↑ better
+257 bp QoQ
Efficiency Ratio
44.49%
13th pctile · n=366↓ better
-1906 bp QoQ
Pre-tax NOI / Avg Assets
2.37%
87th pctile · n=366↑ better
+51 bp QoQ

Funding

Brokered / Deposits
0.00%
16th pctile · n=364↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
2.11%
53th pctile · n=366↓ better
+1 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
7.54%
23th pctile · n=366↑ better
+19 bp QoQ
AFS Securities / Assets
4.31%
17th pctile · n=366↑ better
+95 bp QoQ
HTM Securities / Assets
3.24%
80th pctile · n=366↑ better
-76 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 11:51:43 UTC