Oxford Bank
Oxford, MI
IDRSSD: 448040
Total Assets
$1.09B
Latest filing
Total Deposits
$965.15M
Latest filing
Net Interest Margin
5.18%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072404333OXFORD, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Oxford Bank
60 S Washington St
Oxford, MI 48371
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/04/1884FDIC Certificate 6216
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Oxford Bank (Main) | 60 S Washington St | Oxford, MI |
| LAKE ORION BRANCH | 1115 S Lapeer Rd | Lake Orion, MI |
| ADDISON-OAKS BRANCH | 35 S Rochester Rd | Oakland Township, MI |
| CLARKSTON BRANCH | 7199 N Main St | Clarkston, MI |
| SOUTH WASHINGTON STREET BRANCH | 64 S Washington St | Oxford, MI |
| ORTONVILLE BRANCH | 345 S Ortonville Rd | Ortonville, MI |
| DRYDEN BRANCH | 5459 Main St | Dryden, MI |
| INDEPENDENCE VILLAGE RETIREMENT COMMUNITY BRANCH | 701 Market St | Oxford, MI |
Showing 7 of 8
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 06/04/1884 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48371 |
| State and County Number | 26125 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Detroit-Warren-Dearborn, MI |
Operational Info
| Number of Employees | 141 |
| Domestic Offices | 9 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.oxfordbank.com |
| Data Updated | 01/30/2026 |
| CERT | 9719 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.09B |
| Total Deposits | $965.15M |
| Total Liabilities | $975.42M |
| Total Equity Capital | $113.55M |
| Net Income | $2.69M |
| Net Loans and Leases | $653.25M |
| Assets Per Employee ($Millions) | $7.36M |
| Bank Premises and Fixed Assets | $11.46M |
| Cash and Balances due from Depository Institutions | $264.74M |
| Deposits Held in Domestic Offices | $965.15M |
Key Performance Ratios
| Return on Assets (ROA) | 0.97% |
| Return on Equity (ROE) | 8.77% |
| Net Interest Margin | 5.18% |
| Efficiency Ratio | 71.24% |
| Tier 1 Risk-Based Capital Ratio | 13.94% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.269% |
| Earning Assets to total Assets | 92.3% |
Income and Expense
| Total Interest Income | $14.94M |
| Total Noninterest Income | $429.00k |
| Total Interest Expense | $2.97M |
| Total Noninterest Expense | $8.83M |
| Net Interest Income | $11.97M |
| Pre-tax Net Operating Income | $3.05M |
| Provision for Credit Losses | $513.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $5.47M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $114.00k |
| All Other Liabilities | $10.16M |
| Total Liabilities and Capital | $1.09B |
Securities
| Securities | $116.35M |
| Available-for-sale debt securities | $115.77M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $585.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Oxford Bank?
$1.09B as of the latest filing.
How much are Oxford Bank's total deposits?
$965.15M in total deposits.
Where is Oxford Bank located?
Oxford, MI.
What is the Net Interest Margin?
5.18%.
How many domestic offices does it operate?
9.
When was it established?
06/04/1884.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$653.25M (latest filing).
What is the total interest income (latest filing)?
$14.94M.