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Bank, Oxford, MI
Oxford Bank
A bank based in Oxford, MI. Its commercial book is led by C&I and owner-occupied CRE. Public files show recent 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
- $665M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 75
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $931M
- 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
- 248-628-2533 From the lender's website, retrieved November 9, 2026.
- Website
- www.oxfordbank.comFrom the FDIC record, November 9, 2026.
- Address
- 60 S Washington St, Oxford, MI 48371FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
What changed. Oxford Bank recorded 26 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 19 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 28 under Preferred Lender authority, 25 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 36.9% to $258M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 1.3% to $244.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
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 |
|---|---|---|---|---|---|---|---|
| Aug 2026 | Michigan | SBA 7(a), Offices of Dentists | $1.1M | 9.25% | 25 yr | SBA FOIA | |
| Aug 2026 | Michigan | SBA 7(a), New Single-Family Housing Construction (except For-Sale Builders) | $660K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Limited-Service Restaurants | $2.4M | 9.25% | 10 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Construction | $1.2M | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $830K | 9% | 10 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $130K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Other Building Equipment Contractors | $100K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $100K | 9% | 10 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Other Building Equipment Contractors | $90K | 9.75% | 10 yr | SBA FOIA | |
| Jun 2026 | Michigan | SBA 7(a), Confectionery and Nut Retailers | $450K | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | Michigan | SBA 7(a), Other Specialized Design Services | $1.1M | 8.75% | 26 yr | SBA FOIA | |
| May 2026 | Michigan | SBA 7(a), Home Health Care Services | $300K | 9.25% | 10 yr | SBA FOIA | |
| May 2026 | Michigan | SBA 7(a), All Other Specialty Trade Contractors | $300K | 9.75% | 10 yr | SBA FOIA | |
| May 2026 | Michigan | SBA 7(a), Home Health Care Services | $75K | 9.25% | 10 yr | SBA FOIA | |
| Apr 2026 | Michigan | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $200K | 9.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Michigan | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $100K | 9.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Michigan | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $70K | 9.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Michigan | SBA 7(a), Car Washes | $350K | 9.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Michigan | SBA 7(a), Limited-Service Restaurants | $220K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2026 | Michigan | SBA 7(a), Manufacturing | $700K | 9.75% | 10 yr | SBA FOIA | |
| Feb 2026 | Michigan | SBA 7(a), Used Car Dealers | $370K | 8.75% | 25 yr | SBA FOIA | |
| Sep 2025 | Michigan | SBA 504, Full-Service Restaurants | $910K | 25 yr | SBA FOIA | ||
| Nov 2024 | Michigan | SBA 504, Arts, Entertainment, and Recreation | $900K | 25 yr | SBA FOIA | ||
| Oct 2023 | Michigan | SBA 504, Hotels (except Casino Hotels) and Motels | $1.3M | 25 yr | SBA FOIA | ||
| Oct 2023 | Michigan | SBA 504, Educational Services | $1.3M | 25 yr | SBA FOIA | ||
| 66 SBA 7(a) loans since October 2023, net of cancelled | $28.1M | 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 | $13.0M | 1.8% | -0.5% |
| Construction and land development | $41.4M | 5.7% | +88.8% |
| Owner-occupied CRE | $245M | 33.9% | +1.3% |
| Non-owner-occupied CRE | $108M | 15.0% | -4.4% |
| Farmland | $113K | 0.0% | Not reported |
| Commercial and industrial | $258M | 35.7% | +36.9% |
| Commercial total | $665M |
Reference only: $27.4M 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 | $466M |
| Q4 2023 | $480M |
| Q1 2024 | $499M |
| Q2 2024 | $531M |
| Q3 2024 | $530M |
| Q4 2024 | $550M |
| Q1 2025 | $556M |
| Q2 2025 | $579M |
| Q3 2025 | $606M |
| Q4 2025 | $606M |
| Q1 2026 | $647M |
| Q2 2026 | $665M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 66 | $28.1M | $281K | $4.8M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 26 | $11.6M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 9 | $10.7M | $1.06M | $2M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.
| Industry | Loans | Dollars |
|---|---|---|
| Limited-Service Restaurants | 18 | $7.66M |
Other lenders in these fields: SBA lenders for restaurants.
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Oxford Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $697,000 for 1-4 family residential construction and $32,740,000 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: $102,775,000. 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 | 68 | $2.16M |
| Over $100,000 up to $250,000 | 86 | $7.38M |
| Over $250,000 up to $1 million | 135 | $29.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 4 | $88.0K |
| Over $100,000 up to $250,000 | 22 | $2.83M |
| Over $250,000 up to $1 million | 139 | $60.1M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $100,000 up to $250,000 | 1 | $113K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Michigan HQ | 9 | 66 | 9 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Oxford Bank has 8 offices in 3 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 7 full service and 1 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Oakland County, MI | 5 | 1 |
| Genesee County, MI | 1 | 0 |
| Lapeer 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 | $17.9M | $9.75M to $20.7M 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 | 136.5% | 69.4% to 267.8% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 34.7% | 14.7% to 73.9% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 92.4% | 75.4% to 103.1% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $33.4M | $7.97M to $127M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 77.7% | 61.2% to 86.2% 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
- 28 loans (42.4%)
- SBA Express
- 25 loans
- Approval to first disbursement
- 30.5 days, median of 62
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 |
|---|---|---|---|
| West Shore Bank | MI | $834M | $448M |
| 1st State Bank | MI | $490M | $282M |
| West Michigan Community Bank | MI | $1.21B | $852M |
| First Independence Bank | MI | $875M | $307M |
| County National Bank | MI | $1.36B | $742M |
| Superior National Bank | MI | $1.04B | $333M |
| Northstar Bank | MI | $1.16B | $774M |
| First Bank, Upper Michigan | MI | $629M | $271M |
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 makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- 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. Oxford Bank, FDIC certificate 9719. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $931M in total assets and $665M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 75 recorded loans from SBA files, through September 30, 2026: 66 SBA 7(a) in 36 months, 9 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Oxford Bank]
- Phone and website. Phone 248-628-2533, from the lender's website on November 9, 2026. Website oxfordbank.com, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 9719
- RSSD
- 448040
- LEI
- 5493000VWAG47L29O356
- The Lender Report ID
- lr_001643
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Detroit-Warren-Dearborn, 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 $930.5M in total assets as of June 30, 2026 (FDIC call report).
- Held $665.4M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $258M of commercial and industrial loans as of June 30, 2026, up 36.9% from a year earlier (FDIC call report).
- Held $244.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 1.3% from a year earlier (FDIC call report).
- Held $108.1M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Recorded 78 SBA 7(a) approvals totaling $37M from October 1, 2023 to September 30, 2026, of which 12 were later cancelled (SBA).
5 more sentences
- Provided the first lien on 10 SBA 504 projects with $18.2M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 9 offices in 1 state (FDIC).
- Held 289 commercial and industrial loans that were $1 million or less when made, with a balance of $39.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 165 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $63M 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: $697K for 1-4 family and $32.7M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Oxford Bank, https://lender.report/lender/oxford-bank-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
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
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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