Bank · FDIC insured
Oxford Bank
A $930.5M bank headquartered in Oxford, MI, with 7 branches in Michigan. Best rates: CDs 3.61% and savings 1.26% APY.
Oxford Bank Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#66 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Oxford Bank
Founded on June 17, 1884, Oxford Bank is based in Oxford, Michigan.
- Headquarters
- 60 S Washington St, Oxford, MI 48371
- FDIC certificate
- 9719 ↗
Branches
7 branches in Michigan
Loading map…
Michigan
7 branches
Detroit area · 6
- Oxford BankMain office60 S Washington St, Oxford, MI 48371Directions
- Clarkston Branch7199 N Main St, Clarkston, MI 48346Directions
- Dryden Branch5459 Main St, Dryden, MI 48428Directions
- Lake Orion Branch1115 S Lapeer Rd, Lake Orion, MI 48360Directions
- Addison-Oaks Branch35 S Rochester Rd, Oakland Township, MI 48363Directions
- Ortonville Branch345 S Ortonville Rd, Ortonville, MI 48462Directions
Flint area · 1
- Davison Branch600 N State Rd, Davison, MI 48423Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.93% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.26% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.92% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio11.93%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.26%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.92%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Oxford Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.