Oxford Bank is a bank based in Oxford, Michigan, established in 1884, with $902 million in total assets across 9 branches. By Trust Grade it ranks 37th of 73 banks we track in Michigan. Its capital ratio of 12.5% is stronger than 77% of similarly sized banks, versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 0.66% return on assets. No consumer complaints against Oxford Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Oxford Bank compares to Michigan peers
How we graded Oxford Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.5% capital ratio)
- Profitable (ROA 0.66%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Oxford Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 1115 S Lapeer Rd, Lake Orion, MI 48360
- 35 S Rochester Rd, Oakland Township, MI 48363
- 7199 N Main St, Clarkston, MI 48346
- 64 S Washington St, Oxford, MI 48371
- 345 S Ortonville Rd, Ortonville, MI 48462
- 5459 Main St, Dryden, MI 48428
- 701 Market St, Oxford, MI 48371
- 600 N State Rd, Davison, MI 48423
- 60 S Washington St, Oxford, MI 48371
Are deposits at Oxford Bank insured?
Yes. Oxford Bank is an FDIC-insured bank (FDIC certificate #9719). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Oxford Bank: frequently asked questions
Is Oxford Bank a good bank?
Oxford Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (12.5% capital ratio); Profitable (ROA 0.66%).
Is Oxford Bank FDIC-insured?
Yes. Oxford Bank is a FDIC-insured bank (FDIC certificate #9719). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Oxford Bank?
Oxford Bank holds $902 million in total assets, ranking 37th of 73 banks we track in Michigan. It operates 9 branches.
Does Oxford Bank have CFPB complaints?
No CFPB complaints against Oxford Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
