BlastPoint's Banking Scorecard
Oxford Bank
Community
Specialty: Commercial
MI
FDIC cert 9719
Oxford, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Oxford Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 28% in Community
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.75% above tier
- - Nonperforming Asset Ratio 1.43% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+34.2% YoY
+19.0% QoQ
|
-$302.5M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$653.2M
+8.0% YoY
-0.3% QoQ
|
-$322.2M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$965.1M
+38.1% YoY
+21.5% QoQ
|
-$199.5M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.26%
+0.3% YoY
-9.6% QoQ
|
+0.10% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
5.32%
-2.1% YoY
-2.5% QoQ
|
+1.66% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
64.94%
+1.1% YoY
+3.3% QoQ
|
+2.31% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
2.38%
+46.4% YoY
-1.2% QoQ
|
+1.75% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
67.68%
-21.8% YoY
-17.9% QoQ
|
-15.38% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
30.35%
-25.8% YoY
-15.2% QoQ
|
+9.30% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
1.93%
+59.3% YoY
-23.5% QoQ
|
+1.43% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
13.94%
+0.0% YoY
-2.1% QoQ
|
+3.70% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.54%
-33.1% YoY
-9.4% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#43 of 150 · Top 28% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
30.35%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.32%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.38%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.93%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Net Interest Margin
Current: 5.32% · Tier avg: 3.66%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.35% · Tier avg: 21.05%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.68% · Tier avg: 83.06%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 10.24%
60
60th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
57
57th pctile
Total Deposits
Current: $965.1M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
46
46th pctile
Total Loans
Current: $653.2M · Tier avg: $975.5M
41
41th pctile
Efficiency Ratio
Current: 64.94% · Tier avg: 62.63%
7
7th pctile
Delinquency Rate
Current: 2.38% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.93% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.93% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.38% · Tier avg: 0.63%
41
41th pctile
Efficiency Ratio
Current: 64.94% · Tier avg: 62.63%
46
46th pctile
Total Loans
Current: $653.2M · Tier avg: $975.5M
54
54th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Deposits
Current: $965.1M · Tier avg: $1.2B
60
60th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 10.24%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.68% · Tier avg: 83.06%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.35% · Tier avg: 21.05%
97
97th pctile
Net Interest Margin
Current: 5.32% · Tier avg: 3.66%