Bank of Ann Arbor
Bank of Ann Arbor reported total assets of $3.5 bn at Q2 2026, up 6.3% on a year earlier, the 363rd largest of 497 banks in our US coverage. The CET1 capital ratio at Bank of Ann Arbor was 14.27%, and the uninsured share of Bank of Ann Arbor was 43.99%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Bank of Ann Arbor climbed from 284th to 149th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Since , Bank of Ann Arbor has taken over 2 institutions; the latest was First National Bank in Howell on (FDIC Call Reports).
What sets Bank of Ann Arbor apart
How large is Bank of Ann Arbor?
The balance sheet of Bank of Ann Arbor at : assets $3.5 bn, deposits $2.8 bn, net loans $2.6 bn (loans equal to 92.61% of deposits). Securities make up 6.8% of total assets at Bank of Ann Arbor. Since , when Bank of Ann Arbor held $1.2 bn, its assets grew 188.0%. In the year to , deposits at Bank of Ann Arbor rose 6.9% while its total assets rose 6.3%. At , Bank of Ann Arbor employed 319 full-time equivalent staff across 18 offices, about $11.0 mn of assets per employee and $157.9 mn of deposits per office.
How much funding at Bank of Ann Arbor is uninsured?
At Bank of Ann Arbor, uninsured deposits (above the FDIC limit) made up 43.99% of domestic deposits at (-2.39 pp on a year earlier); Bank of Ann Arbor ranks 149th of 500 on this measure. In dollars, Bank of Ann Arbor estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.8 bn | +6.9% | 378th of 499 |
| Net loans and leases | $2.6 bn | -1.2% | 352nd of 500 |
| Loan-to-deposit ratio | 92.61% | -7.63 pp | 152nd of 500 |
| Tier 1 leverage ratio | 13.17% | +0.91 pp | 51st of 500 |
| Total risk-based capital ratio | 15.42% | +1.75 pp | 143rd of 448 |
| Net interest margin | 4.41% | +0.18 pp | 74th of 500 |
| Return on assets (ROA) | 1.98% | +0.25 pp | 52nd of 500 |
| Efficiency ratio | 44.40% | -2.38 pp | 80th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $10.7 mn | Narrowed by $2.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $4.9 mn | Narrowed by $110,000 | |
| Noncurrent loans to total loans | 0.27% | +0.11 pp | 95th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.07% | +0.03 pp | 230th of 500 (1 = lowest) |
US rank of Bank of Ann Arbor: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank of Ann Arbor: assets, deposits and loans
- Total assets $3.5bn
- Deposits $2.8bn
- Net loans $2.6bn
Capital and securities
The CET1 ratio of Bank of Ann Arbor stood at 14.27% in , +1.72 pp year on year. Low and high at Bank of Ann Arbor since : 9.56% () to 14.27% (). Equity capital of Bank of Ann Arbor at : $499.0 mn, or 14.3% of total assets. Bank of Ann Arbor also reported a total capital ratio of 15.42% for , and a tier 1 leverage ratio of 13.17%.
On held-to-maturity securities, Bank of Ann Arbor carried an unrealized loss of $10.7 mn at , equal to 2.1% of equity capital. The loss narrowed by $2.7 mn over the year. Its deepest point: $20.3 mn in . The available-for-sale portfolio of Bank of Ann Arbor showed an unrealized loss of $4.9 mn at ; the loss narrowed by $110,000 over the year.
Bank of Ann Arbor: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 13%
Bank of Ann Arbor: unrealized securities gains and losses
- Available for sale -$5mn
- Held to maturity -$11mn
Profitability and loan quality
For the year to , Bank of Ann Arbor earned a return on equity of 13.82%; return on assets: 1.98%. Net interest margin at Bank of Ann Arbor: 4.41%, +0.18 pp in a year. Bank of Ann Arbor net income: $33.5 mn, up 19.8% year on year. The efficiency ratio of Bank of Ann Arbor was 44.40%: about 44 cents cost per revenue dollar, against 52 cents at the median peer.
At , noncurrent loans were 0.27% of total loans at Bank of Ann Arbor; net charge-offs: 0.07% of average loans. Gross loans and leases at Bank of Ann Arbor: $2.7 bn, down 1.2% in a year.
Bank of Ann Arbor: profitability
- Return on equity 14%
- Net interest margin 4.4%
- Return on assets 2.0%
Peer group of Bank of Ann Arbor
The peer group of Bank of Ann Arbor is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Bank of Ann Arbor (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Michigan. Against them, Bank of Ann Arbor shows CET1 ratio 14.27% against a peer median of 12.04%, return on equity 13.82% against a peer median of 14.07% and uninsured deposit share 43.99% against a peer median of 28.47%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| SouthEast Bank | State member bank | TN | $3.6 bn | 12.52% | 8.91% | 23.40% | |
| Old Plank Trail Community Bank | National bank | IL | $3.5 bn | 10.81% | 13.91% | 26.71% | |
| MVB Bank, Inc | State nonmember bank | WV | $3.5 bn | not reported | 14.24% | 39.29% | |
| Bank of Ann Arbor | State nonmember bank | MI | $3.5 bn | 14.27% | 13.82% | 43.99% | |
| First Farmers Bank & Trust Co. | State member bank | IN | $3.5 bn | 12.82% | 17.35% | 30.24% | |
| The Farmers & Merchants State Bank | State nonmember bank | OH | $3.5 bn | 11.84% | 11.22% | 11.09% | |
| Cache Valley Bank | State nonmember bank | UT | $3.5 bn | 12.04% | 19.39% | 54.41% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank of Ann Arbor, to : assets +11.0%, deposits +7.9%, equity +18.3%. Staff 341 to 319; offices 17 to 18.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.2 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.5 bn |
| Total deposits | $2.6 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.8 bn | $2.7 bn | $2.7 bn | $2.8 bn |
| Bank equity capital | $421.9 mn | $431.6 mn | $437.3 mn | $452.4 mn | $462.8 mn | $475.7 mn | $481.0 mn | $499.0 mn |
| CET1 ratio | 12.19% | 12.37% | 12.54% | 12.55% | 13.01% | 13.23% | 13.54% | 14.27% |
| Return on equity (ROE) | 12.85% | 11.94% | 12.47% | 12.71% | 13.10% | 12.47% | 13.28% | 13.82% |
| Uninsured share of domestic deposits | 47.45% | 46.79% | 46.10% | 46.38% | 47.29% | 45.55% | 43.79% | 43.99% |
| Full-time equivalent employees | 341 | 337 | 332 | 341 | 321 | 327 | 317 | 319 |
| Number of offices | 17 | 17 | 17 | 17 | 17 | 17 | 18 | 18 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Bank of Ann Arbor, oldest first; figures before and after each event are not like for like.
- . Absorbed Bank of Birmingham (FDIC certificate 58101).
- . Absorbed First National Bank in Howell (FDIC certificate 14370).
Questions and identifiers
What were the total assets of Bank of Ann Arbor?
Bank of Ann Arbor reported $3.5 bn at in its Call Report. That makes Bank of Ann Arbor the 363rd largest of 497 banks in our US coverage.
Is Bank of Ann Arbor the same as its holding company?
No. This page covers Bank of Ann Arbor, FDIC certificate 34120; ARBOR BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank of Ann Arbor profitable?
Bank of Ann Arbor reported net income of $33.5 mn for the year to ; annualized return on equity: 13.82%. So yes: Bank of Ann Arbor made a profit over these months.
When is data for Bank of Ann Arbor next updated?
Figures from Bank of Ann Arbor for are due after .
Where can I check the figures for Bank of Ann Arbor?
In the FDIC BankFind Suite record for certificate 34120, and in the Call Reports of Bank of Ann Arbor (RSSD ID 2390929) at the FFIEC Central Data Repository.