Oxford Bank (FDIC #9719): Bank Stress & Real-Estate Credit Exposure

Oxford Bank (FDIC Cert #9719): bank stress 64/100, elevated, STABLE over 7 days; parent OXFORD BANK CORP.

Oxford Bank (#9719) lends in 3 counties across 1 state; Oxford Bank (#9719) reaches 115 ZIP codes: Michigan 3 counties, 115 ZIPs.

Oxford Bank (#9719) largest markets: Oakland County, MI (426 branches, 71 ZIPs) (#9719), Genesee County, MI (34 branches, 34 ZIPs) (#9719), Lapeer County, MI (22 branches, 22 ZIPs) (#9719).

Oxford Bank (#9719) reports $930.5 million in total assets; Oxford Bank (#9719) equity $114.7 million (12.3% of Oxford Bank (#9719) assets); Oxford Bank (#9719) domestic deposits $782.6 million; Oxford Bank (#9719) net income $4.5 million; Oxford Bank (#9719) return on assets 0.92%; Oxford Bank (#9719) return on equity 7.89%; Oxford Bank (#9719) net interest income $23.1 million; Oxford Bank (#9719) call report June 30, 2026.

Oxford Bank (#9719) noncurrent real-estate loans: none reported; Oxford Bank (#9719) net charge-offs on real estate 2.64%; Oxford Bank (#9719) residential charge-offs 1.64%.

Oxford Bank (#9719) net interest margin 5.15% against an eight-quarter Oxford Bank (#9719) average of 5.31% (Oxford Bank (#9719) compression 0.16 points); Oxford Bank (#9719) real-estate loans 0.5% of equity; Oxford Bank (#9719) non-residential real estate 164.3% of equity; Oxford Bank (#9719) rate-exposure score 40/100, Oxford Bank (#9719) fixed-rate trap 40/100; Oxford Bank (#9719) risk type credit driven; Oxford Bank (#9719) rate regime rates elevated, Oxford Bank (#9719) snapshot October 19, 2026.

Oxford Bank (#9719) stress score moved from 66.9 on June 22, 2026 to 64 on October 19, 2026; Oxford Bank (#9719) ranged 64 to 66.9 over 116 snapshots.

Oxford Bank (#9719) alerts: 3 counties; top Oxford Bank (#9719) alert scores: Davison County, MI 23 (low); Dryden County, MI 23 (low); Oxford County, MI 23 (low).