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The Lender Report built this page from public records. Bank of Ann Arbor has not reviewed it. Every lender's page starts this way, and it says nothing about Bank of Ann Arbor itself. Each figure shows its source and date. Work at Bank of Ann Arbor? You can claim this page for free.
Bank, Ann Arbor, MI
Bank of Ann Arbor
A bank based in Ann Arbor, MI. Its commercial book is led by non-owner-occupied CRE and C&I. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $2.04B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 4
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 27
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $3.50B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.bankofannarbor.comFrom the FDIC record, November 9, 2026.
- Address
- 125 S 5th Ave, Ann Arbor, MI 48104FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 1 opened, 0 closed, 0 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 7 under Preferred Lender authority, 5 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 1.8% to $683.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 384 small business loans totaling $150.2M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Michigan | SBA 7(a), Gasoline Stations with Convenience Stores | $5M | 7.75% | 21 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), Clothing and Clothing Accessories Retailers | $3.3M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), General Automotive Repair | $200K | 8.75% | 10 yr | SBA FOIA | |
| Jun 2026 | Michigan | SBA 7(a), Computer Systems Design Services | $100K | 9% | 7 yr | SBA FOIA | |
| May 2026 | Michigan | SBA 7(a), Residential Remodelers | $400K | 9% | 7 yr | SBA FOIA | |
| 2025 | Wayne County, MI | Improvement, 5 to 24 units | $2M | HMDA 2025 | |||
| 2025 | Wayne County, MI | Improvement, 5 to 24 units | $1.8M | HMDA 2025 | |||
| Dec 2025 | Michigan | SBA 504, Limited-Service Restaurants | $1M | 25 yr | SBA FOIA | ||
| 2025 | Livingston County, MI | Refinance, 5 to 24 units | $600K | HMDA 2025 | |||
| 2025 | Oakland County, MI | Refinance, 25 to 49 units | $360K | HMDA 2025 | |||
| Sep 2025 | Michigan | SBA 7(a), All Other Personal Services | $290K | 9% | 7 yr | SBA FOIA | |
| Aug 2025 | Michigan | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $470K | 10.25% | 10 yr | SBA FOIA | |
| Jul 2025 | Michigan | SBA 7(a), Full-Service Restaurants | $560K | 10% | 7 yr | SBA FOIA | |
| May 2025 | Michigan | SBA 7(a), Utilities | $500K | 10.25% | 10 yr | SBA FOIA | |
| Apr 2025 | Michigan | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $3.6M | 7.5% | 10 yr | SBA FOIA | |
| Apr 2025 | Michigan | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $500K | 8.75% | 10 yr | SBA FOIA | |
| Apr 2025 | Michigan | SBA 504, Manufacturing | $200K | 25 yr | SBA FOIA | ||
| Jan 2025 | Michigan | SBA 7(a), Engineering Services | $640K | 9% | 10 yr | SBA FOIA | |
| 2024 | Washtenaw County, MI | Cash-out refinance, 25 to 49 units | $6M | HMDA 2024 | |||
| 2024 | Oakland County, MI | Purchase, 5 to 24 units | $1.5M | HMDA 2024 | |||
| Dec 2024 | Michigan | SBA 7(a), Engineering Services | $200K | 9.25% | 10 yr | SBA FOIA | |
| Nov 2024 | Michigan | SBA 7(a), All Other Amusement and Recreation Industries | $3.3M | 10.5% | 10 yr | SBA FOIA | |
| Nov 2024 | Michigan | SBA 7(a), Automotive Body, Paint, and Interior Repair and Maintenance | $150K | 10.75% | 10 yr | SBA FOIA | |
| Sep 2024 | Michigan | SBA 504, Administrative and Support and Waste Management and Remediation Services | $1.1M | 25 yr | SBA FOIA | ||
| Aug 2024 | Michigan | SBA 7(a), Offices of Physicians (except Mental Health Specialists) | $2M | 9.5% | 10 yr | SBA FOIA | |
| 20 SBA 7(a) loans since October 2023, net of cancelled | $24.0M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $194M | 7.3% | +4.2% |
| Construction and land development | $120M | 4.5% | -27.4% |
| Owner-occupied CRE | $385M | 14.4% | -5.7% |
| Non-owner-occupied CRE | $683M | 25.6% | +1.8% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $655M | 24.6% | -5.0% |
| Commercial total | $2.04B |
Reference only: $299M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.86B |
| Q4 2023 | $1.91B |
| Q1 2024 | $1.95B |
| Q2 2024 | $2.02B |
| Q3 2024 | $1.98B |
| Q4 2024 | $1.99B |
| Q1 2025 | $2.01B |
| Q2 2025 | $2.12B |
| Q3 2025 | $2.08B |
| Q4 2025 | $2.13B |
| Q1 2026 | $2.09B |
| Q2 2026 | $2.04B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 4 | $4.70M | $1.20M | $2M | HMDA, |
| Multifamily, 5 or more units | 2024 | 2 | $7.50M | $3.80M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 10 | $6.20M | $310K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 20 | $24.0M | $500K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 5 | $8.95M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 7 | $7.16M | $953K | $3.2M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Bank of Ann Arbor reported making 384 small business loans totaling $150,191,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 78 of $100,000 or less, 99 over $100,000 up to $250,000, 207 over $250,000 up to $1 million.
- 123 of them, totaling $39,595,000, went to businesses with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Oakland County, MI | 115 | $53.7M |
| Washtenaw County, MI | 102 | $34.5M |
| Livingston County, MI | 68 | $17.3M |
| Wayne County, MI | 60 | $26.3M |
| Macomb County, MI | 14 | $7.17M |
| Monroe County, MI | 6 | $1.73M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Bank of Ann Arbor reported commitments to fund construction loans that had not been drawn at June 30, 2026: $26,885,000 for 1-4 family residential construction and $102,383,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $325,829,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 149 | $9.58M |
| Over $100,000 up to $250,000 | 121 | $19.3M |
| Over $250,000 up to $1 million | 202 | $77.4M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 20 | $1.34M |
| Over $100,000 up to $250,000 | 94 | $13.9M |
| Over $250,000 up to $1 million | 404 | $192M |
Where it lends
Offices beside loans on record
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Bank of Ann Arbor has 18 offices in 4 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 17 full service and 1 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Livingston County, MI | 8 | 1 |
| Washtenaw County, MI | 6 | 0 |
| Oakland County, MI | 2 | 0 |
| Wayne County, MI | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $70.1M | $20.7M to $117M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 213.3% | 124.2% to 356.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 25.6% | 20.9% to 73.9% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 93.8% | 85.3% to 103.1% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $140M | $27.4M to $541M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 76.2% | 69.1% to 83.5% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 7 loans (35.0%)
- SBA Express
- 5 loans
- Approval to first disbursement
- 27 days, median of 17
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Mercantile Bank | MI | $6.24B | $3.61B |
| ChoiceOne Bank | MI | $4.45B | $2.12B |
| Independent Bank | MI | $5.66B | $2.36B |
| Macatawa Bank, National Association | MI | $3.69B | $2.07B |
| Isabella Bank | MI | $2.17B | $852M |
| Southern Michigan Bank & Trust | MI | $1.68B | $1.02B |
| First State Bank | MI | $1.35B | $618M |
| County National Bank | MI | $1.36B | $742M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Bank of Ann Arbor, FDIC certificate 34120. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $3.50B in total assets and $2.04B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 43 recorded loans from HMDA and SBA files, through September 30, 2026: 4 HMDA multifamily 2025, 2 HMDA multifamily 2024, 10 HMDA 1-4 unit investor 2025, 20 SBA 7(a) in 36 months, 7 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Bank of Ann Arbor]
- Phone and website. No phone number is on record. Website bankofannarbor.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 384 small business loans reported in its CRA filing for 2024. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 34120
- RSSD
- 2390929
- LEI
- 549300PI8J8CV6B53I58
- The Lender Report ID
- lr_000522
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Ann Arbor, MI
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $3.5B in total assets as of June 30, 2026 (FDIC call report).
- Held $2B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $683.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 1.8% from a year earlier (FDIC call report).
- Held $654.5M of commercial and industrial loans as of June 30, 2026 (FDIC call report).
- Held $384.7M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Originated 4 multifamily loans totaling $4.7M in 2025 (HMDA).
9 more sentences
- Originated 2 multifamily loans totaling $7.5M in 2024 (HMDA).
- Originated 10 1-4 unit investor or business-purpose loans totaling $6.2M in 2025 (HMDA).
- Recorded 24 SBA 7(a) approvals totaling $30.2M from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
- Provided the first lien on 7 SBA 504 projects with $7.2M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 18 offices in 1 state (FDIC).
- Reported making 384 small business loans totaling $150.2M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 472 commercial and industrial loans that were $1 million or less when made, with a balance of $106.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 518 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $207.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $26.9M for 1-4 family and $102.4M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Bank of Ann Arbor, https://lender.report/lender/bank-of-ann-arbor-mi/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Bank of Ann Arbor? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem