$702M
+12.7%y/y
Percentile by value95th percentileby value
FDIC
LNLSGROB
Oxford Bank
Oxford, MichiganFDIC Cert #9719
STATEEstablished 18849 branches
Holding company: OXFORD BANK CORPRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $249M |
| Investor CRE | $114M |
| Multifamily | $13.2M |
| Construction | $36.9M |
| 1–4 family | $25.6M |
| C&I | $234M |
| Agriculture | $115K |
| Other | $29M |
Loan book
Reported balances and balance-sheet intensity.
$692M
+12.6%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET+12.55%
+18.2%y/y
Percentile by value81st percentileby value
FDIC
LNLSNET92.0%
+6.1%y/y
Percentile by value77th percentileby value
FDIC
LNLSNET + DEP76.8%
+2.8%y/y
Percentile by value74th percentileby value
FDIC
LNLSNET + ASSET64.45%
−6.6%y/y
Percentile by value13th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
141%
+5.3%y/y
Percentile by value41st percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC32%
+90.3%y/y
Percentile by value44th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,682points
+1.5%y/y
Peer standing26th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD35.48%
−9.4%y/y
Percentile by value98th percentileby value
FDIC
LNRENROW + LNLSGR16.27%
−8.8%y/y
Percentile by value60th percentileby value
FDIC
LNRENROT + LNLSGR33.32%
+21.6%y/y
Percentile by value97th percentileby value
FDIC
LNCI + LNLSGR