Bank of Ann Arbor
Total assets
$3.50B
▲ +6.3% YoY
Deposits
$2.84B
▲ +6.9% YoY
Loans
$2.63B
▼ -1.2% YoY
Offices
18
ARBOR BCORP INC
ROA (annualized)
1.98%
peers 1.26%
ROE (annualized)
13.82%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Bank of Ann Arbor | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.5% | +0.8 pts |
| Deposit growth (YoY) | +6.9% | +5.1% | +1.8 pts |
| Loan growth (YoY) | -1.2% | +5.9% | -7.2 pts |
| ROA | 1.98% | 1.26% | +0.7 pts |
| ROE | 13.8% | 12.2% | +1.7 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
Profile
- Established
- 1996
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- ARBOR BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 125 S 5th Ave, Ann Arbor, MI, 48104
- County
- Washtenaw
- Metro area
- Ann Arbor, MI
- Offices
- 18
- FDIC cert #
- 34120
- RSSD ID
- 2390929
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.50B | $2.84B | $2.63B | $499.0M | $33.5M | 1.98% | 4.41% | 0.27% |
| Q1 2026 | $3.33B | $2.74B | $2.67B | $481.0M | $15.9M | 1.91% | 4.41% | 0.32% |
| Q4 2025 | $3.34B | $2.74B | $2.69B | $475.7M | $56.4M | 1.72% | 4.34% | 0.24% |
| Q3 2025 | $3.30B | $2.77B | $2.63B | $462.8M | $43.8M | 1.79% | 4.31% | 0.25% |
| Q2 2025 | $3.29B | $2.66B | $2.67B | $452.4M | $28.0M | 1.73% | 4.23% | 0.19% |
| Q1 2025 | $3.24B | $2.70B | $2.53B | $437.3M | $13.5M | 1.69% | 4.21% | 0.22% |
| Q4 2024 | $3.19B | $2.60B | $2.50B | $431.6M | $49.3M | 1.58% | 4.14% | 0.24% |
| Q3 2024 | $3.15B | $2.64B | $2.49B | $421.9M | $39.4M | 1.69% | 4.10% | 0.18% |
Loan mix (Q2 2026): real estate $1.68B · commercial $654.5M · consumer $13.6M · securities $238.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Bank of Ann Arbor | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.70% | 85th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.4% | 59.0% | 11th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Ann Arbor | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Ann Arbor | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Ann Arbor | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Ann Arbor | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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