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Oxford Bank Corporation (OXBC) reports developments for its role as the holding company for Oxford Bank, a Michigan community bank founded in 1884 and described as the oldest commercial bank in Oakland County. News commonly centers on quarterly and annual operating results, including consolidated earnings, net interest income, net interest margin, shareholder equity, bank capital ratios, loan and deposit activity, and credit-related items such as OREO valuation reserves.
Company updates also cover Oxford Bank's branch network, customer experience centers using Interactive Teller Machines, business banking and commercial finance centers, wealth and advisory services, cyber-security and fraud-prevention initiatives, and board governance changes. The bank's recurring themes include relationship banking, commercial finance, technology-supported client service, and locally managed community banking in Michigan.
Oxford Bank Corporation (OTC:OXBC) reported first quarter 2026 net income of $1.53 million, or $0.62 per share, down from $2.82 million, or $1.15 per share, a year earlier. Results reflect a $1.01 million credit loss provision and deposit normalization, while loans grew to $701.7 million and net interest income rose 11.1%. Book value per share increased to $44.85 and Tier 1 capital reached 13.29%.
Oxford Bank Corporation (OTC: OXBC) reported Q4 2025 net income of $2.30 million ($0.93 per share) and full-year 2025 net income of $10.96 million ($4.44 per share), a 10% increase versus 2024. Total assets rose to $1.09 billion and total deposits to $953.31 million.
Key drivers included 5% net interest income growth, NIM of 5.23%, loan growth of 7.8% YoY, a $1.8 million OREO valuation reserve, and higher noninterest expense.
Oxford Bank Corporation (OTC: OXBC) reported third-quarter 2025 results with Q3 net income $3.06M ($1.24 per share) and YTD net income $8.67M (+10.7% vs. 2024). Total assets were $915.31M and total deposits $783.02M as of Sep 30, 2025. Net interest income rose to $31.82M YTD (+6.3%) and bank net interest margin expanded to 5.27% YTD. Loans increased to $663.06M (+11.1% YTD) while allowance for credit losses rose to $7.71M (+10.7%). Non-accrual loans and net charge-offs increased materially year‑over‑year.
Oxford Bank Corporation (OTCBB: OXBC) reported strong Q2 2025 financial results, with quarterly earnings of $2.78 million ($1.13 per share), up from $2.26 million ($0.92 per share) year-over-year. The bank's total assets reached $859.51 million as of June 30, 2025, with deposits increasing by $24 million to $721.36 million.
Key performance metrics include net interest margin expansion to 5.22% year-to-date, total loans of $635.01 million, and a strong capital position with the Bank's Tier 1 capital at 14.29% of risk-weighted assets. The company's book value per share increased to $41.70, up from $36.72 year-over-year.
Oxford Bank Corporation (OXBC) reported Q1 2025 earnings of $2.82 million ($1.15 per share), up from $1.67 million in Q4 2024 but down from $3.28 million in Q1 2024. The bank's total assets reached $823.87 million, with total loans of $622.5 million and deposits of $697.44 million. Key highlights include a strong net interest margin of 5.15%, improved from 4.88% in 2024, and a healthy book value per share of $40.51. The bank maintained robust capital levels with a Tier 1 capital ratio of 13.99%. While non-accrual loans increased, management remains confident in their collateral coverage and credit quality. The company continues to invest in technology infrastructure, including a new treasury management platform and upcoming smart safes implementation.
Oxford Bank (OXBC) reported Q4 2024 earnings of $1.67 million ($0.68 per share), down from $2.36 million ($0.96 per share) in Q4 2023. Full-year 2024 earnings were $9.96 million ($4.05 per share) compared to $12.06 million ($4.94 per share) in 2023.
The company's total assets stood at $811.4 million as of December 31, 2024. Total loans and leases increased by 13% year-over-year to $613.5 million, while deposits decreased to $686.93 million. The net interest margin remained relatively stable at 4.88% in 2024 compared to 4.89% in 2023.
Non-interest expenses increased by $3.9 million due to investments in Oxford Commercial Finance (OCF). The bank's Tier 1 capital ratio was 13.93% of risk-weighted assets, and book value per share increased to $38.98 from $34.15 year-over-year.
Oxford Bank (OXBC) reported Q3 2024 consolidated earnings of $2.75 million ($1.12 per share), down from $3.15 million ($1.28 per share) in Q3 2023. Year-to-date earnings were $8.29 million ($3.37 per share) compared to $9.70 million ($3.98 per share) in 2023. Total assets increased to $870.50 million from $794.34 million year-over-year. Net loans grew 13% to $590.04 million, while total deposits rose to $747.81 million. The bank's Net Interest Margin was 4.63% for the first nine months of 2024, down from 4.85% in 2023. Shareholders' equity reached $96.68 million, with book value per share at $39.22.
Oxford Bank (OXBC) announced the immediate transition of its Chief Financial Officer. Jesse A. Deering has stepped down from his position as Executive Vice President and CFO, to be succeeded by Nathan A. Reason. The new CFO brings approximately 20 years of banking experience, including senior finance roles at Flagstar Bank and as CFO at Huron Community Bank. Reason, a licensed CPA with BS in accounting and MBA from the University of Mississippi, will serve as both Bank CFO and Company Treasurer, reporting to CEO David Lamb.
Oxford Bank (OTC: OXBC) has appointed Michael J. Tierney to the Oxford Bank Board of Directors, effective immediately. Tierney, described as an industry veteran, joins the board of the holding company for Oxford Bank. This strategic move aims to strengthen the company's leadership and potentially bring fresh perspectives to the organization. The appointment underscores Oxford Bank 's commitment to enhancing its governance structure with experienced professionals in the banking sector.
Oxford Bank (OTC: OXBC) reported Q2 2024 earnings of $2.26 million, or $0.92 per share, down from $3.12 million, or $1.29 per share, in Q2 2023. Year-to-date earnings for H1 2024 were $5.54 million or $2.25 per share, compared to $6.55 million or $2.70 per share in 2023. The company's total assets reached $821.23 million as of June 30, 2024. Net loans increased by 21% year-over-year to $588.59 million. Total deposits decreased to $693.98 million from $718.90 million a year ago. The bank's Net Interest Margin (NIM) improved to 5.06% for H1 2024, up from 4.98% in the same period of 2023.