Oxford Bank Corporation
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- Oxford Bank Corporation (OXBC) operates as the holding company for Oxford Bank, a Michigan-based community bank providing retail and commercial banking products and services primarily to customers in southeast Michigan. The bank offers deposit products including checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit; lending solutions such as home mortgages, home equity lines of credit, auto loans, student loans, personal loans, business term loans, business lines of credit, commercial real estate loans, and Small Business Administration (SBA) loans; and additional services encompassing business online banking and bill pay, treasury management, merchant card services, remote deposit capture, online wire transfers, commercial cash management, mobile banking, interactive teller machines (ITMs), and insurance quotes. Through its wholly owned subsidiary Oxford Commercial Finance, launched in 2022, the company provides specialized flexible working capital solutions nationwide, including accounts receivable funding and asset-based lending for small to medium-sized businesses; its advisory services operate under the rebranded Oxford Wealth Management, offered through Osaic Institutions, to assist clients in managing, growing, and preserving capital. Oxford Bank Corporation maintains seven full-service branches in Clarkston, Davison, Dryden, Lake Orion, Oakland Township, Ortonville, and Oxford, Michigan, supplemented by customer experience centers with ITMs in Ann Arbor, Macomb, and Rochester Hills, and business banking/commercial finance centers in Phoenix, Arizona, Wixom, downtown Oxford, and Flint, Michigan. Founded in 1884 as Oxford Savings and headquartered at 60 South Washington Street in Oxford, Michigan, the bank converted to Oxford Bank in 1985 and became a publicly traded entity in 2016, establishing itself as the oldest commercial bank in Oakland County with a focus on full-relationship banking for individuals, businesses, and communities across its primary market. In recent periods, the company has demonstrated robust balance sheet growth, with total assets reaching $859.51 million as of June 30, 2025, up from $823.87 million at March 31, 2025, driven by expansions in loans to $635.01 million and deposits to $721.36 million, alongside a net interest margin of 5.22% year-to-date through the second quarter. Earnings for the second quarter of 2025 totaled $2.78 million, or $1.13 per share, reflecting year-over-year improvement from strengthened net interest income amid disciplined lending and deposit relationship strategies, while investments in technology infrastructure, including a new treasury management platform and forthcoming smart safes, enhance client experiences and operational efficiency. The company maintains strong capital positions, with Tier 1 capital at 14.29% of risk-weighted assets as of June 30, 2025, and continues to prioritize credit quality through robust collateral, government guarantees like SBA programs, and a diversified portfolio mitigating concentration risks in real estate and geography.
OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER 2026 OPERATING RESULTS
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OXFORD BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL YEAR 2025 OPERATING RESULTS
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OXFORD BANK CORPORATION ANNOUNCES SIX MONTH AND SECOND QUARTER 2025 OPERATING RESULTS
OXFORD BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL YEAR 2024 OPERATING RESULTS
OXFORD BANK CORPORATION ANNOUNCES THIRD QUARTER 2024 AND NINE-MONTH OPERATING RESULTS
OXFORD BANK CORPORATION ANNOUNCES CHIEF FINANCIAL OFFICER TRANSITION
Oxford Bank Marks 140 Years of Community Banking
OXFORD BANK CORPORATION ANNOUNCES FIRST QUARTER 2024 OPERATING RESULTS
OXFORD BANK CORPORATION ANNOUNCES FOURTH QUARTER AND FULL YEAR 2023 OPERATING RESULTS
OXFORD BANK CORPORATION ANNOUNCES SECOND QUARTER AND SIX MONTH 2023 OPERATING RESULTS