Oxford Bank

Overview / Commentary
60 S. Washington St.
Oxford, MI 48371

Oxford Bank is headquartered in Oxford and is the 22nd largest bank in the state of Michigan. It is also the 1,254th largest bank in the nation. It was established in 1884 and as of December of 2021, it had grown to 107 employees at 9 locations. Oxford Bank has an A health rating.

Reviews (4)

Great Company

Oxford Bank is a great place to bank with. The staff is very friendly and helpful!

Oxford Bank

We have been dealing with Oxford Bank since 1979.I have never had any issues with the bank and or their services, not only is our business through them, we have several personal accts and no complaints there also.I would like to send kudos to Michelle Phelan and Tina Campbell for all their assistance over the years. Keep up the good work.

Great Products, Great Service

I switched my accounts over to Oxford Bank a little less than a year ago, and I'm extremely happy with the service I've received in that time.
The Personal Bankers are always there to help me with any need I have - and will even call me if they think I would benefit from a different product. The employees are friendly and always on top of everything.
They also just installed these awesome machines called ITMs for the drive-thru, so they've extended their banking hours to 7am-8pm so you don't have to rush to get to the bank for your banking needs.
Their mobile products are up to date and you can even use your fingerprint to log in, which is cool.
Overall, I'm extremely happy with the service I've received from Oxford. What an awesome asset to our community!

Horrible Bank

Posted by: |

I cannot express how frustrated I am with Oxford Bank. I have tried to have them resolve an issue from Feb 22-June 1 and they have still not fixed it! I am currently refinancing my house and the bank required clarification on a loan we had with Oxford. It had been misreported to our credit report as a collection account, a mortgage, with incorrect payment amount and balance. It was not a mortgage and we had not missed a payment in 5 years. Literally everything on the credit report was wrong except that the loan was with Oxford Bank. Fast forward 100 days and they still have not gotten the necessary paperwork to the refinance bank and it is still on my credit report- incorrectly!!

To sum up my experience- incompetent, will not return phone calls/emails, will not follow up or take initiative to help a customer, I had to climb the ladder and threaten a letter to the president and CFO before action was taken, and it's still not finished! Put your money somewhere else. You will be happy you did.

They are horrible. I wish I could go back in time and go somewhere else. I would give them 0 stars but it won't let me.


Health Grade Components

FDIC Certificate #9719
Year Established1884
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD17.09%
Annual Interest Income$26.4MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$750.7MM$698.1MM
LoansQ4 2021vs Q4 2020$411.1MM$537.1MM
DepositsQ4 2021vs Q4 2020$672.3MM$588.0MM
Equity CapitalQ4 2021vs Q4 2020$74.8MM$55.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$5.5MM$4.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$2.2MM$3.8MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oxford Bank Savings Account Rates

0.75%*-$50kKasasa Saver
OTHER TIERS: 0.35% $50k+
0.25%*$500k*-Business Savings Account
OTHER TIERS: 0.10% Up to $100k | 0.15% $100k - $500k
OTHER TIERS: 0.05% Up to $20k | 0.06% $20k - $50k

Oxford Bank Checking Account Rates

1.50%*-$15kKasasa Cash
OTHER TIERS: 0.25% $15k+

Oxford Bank CD Rates

0.31%$500-72 Month CD
0.29%$500-60 Month CD
0.27%$500-48 Month CD
0.25%$500-36 Month CD
0.20%$500-30 Month CD
0.15%$500-9 Month CD
0.15%$500-12 Month CD
0.15%$500-18 Month CD
0.15%$500-24 Month CD
0.15%$500-13 Month CD
0.10%$500-6-7 Month CD
0.05%$500-3 Month CD

Oxford Bank IRA Rates

0.31%$500-72 Month IRA
0.29%$500-60 Month IRA
0.27%$500-48 Month IRA
0.25%$500-36 Month IRA
0.20%$500-30 Month IRA
0.15%$500-9 Month IRA
0.15%$500-12 Month IRA
0.15%$500-18 Month IRA
0.15%$500-24 Month IRA
0.15%$500-13 Month IRA
0.10%$500-6-7 Month IRA
0.05%$500-3 Month IRA

Oxford Bank Locations
Lake Orion Branch1115 South Lapeer RoadLake Orion, MI 48360
Ortonville Branch345 Ortonville RoadOrtonville, MI 48462
Addison-Oaks Branch35 Rochester RoadOakland Township, MI 48363
Dryden Branch5459 Main StreetDryden, MI 48428
Oxford Bank60 S Washington StOxford, MI 48371
Davison Branch600 North State RoadDavison, MI 48423
Clarkston Branch7199 North Main StreetClarkston, MI 48346

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