Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.2 and a capital leverage ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (5.9) profitability. A current level of 10.6 percent of nonperforming loans to core capital combined with 11.9 percent from a year earlier contributes to the Fair asset quality (3.4).
Asset Mix:
Comm re (44%), comm loans (21%), securities (14%), cash (6%), consumer loans (2%), home mtgs (2%), home eq lns (1%), other (11%)
States with Branches:
MI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Oxford Bank Corporation
Investment Rating
Address
60 South Washington Street
Oxford, MI 48371
Oxford, MI 48371
Phone Number
(248) 628-2533
Year Founded
1884
FDIC Number
Website
Largest Affiliates
No affiliate information available.