🏦Bank Scorer

OXFORD BANK

OXFORD, MI · Supervised by FDIC

Est. 1884FDIC #9,719RSSD: FDIC-9719
Part ofOXFORD BANK CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

60 S Washington St, OXFORD, MI

County

Oakland County

Established

June 4, 1884

Total Assets

$902M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2020

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$902M

Total Deposits

$753M

Net Loans

$692M

Net Income

$2M

ROA

0.66%

ROE

5.83%

Risk-Based Capital

14.48%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate26.83%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$734M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20198251.22%26.83%
201824862.1%18.55%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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