Welcome to our dedicated page for Oxford Bank Cp news (Ticker: OXBC), a resource for investors and traders seeking the latest updates and insights on Oxford Bank Cp stock.
Oxford Bank Corporation (OXBC) is the holding company for Oxford Bank, a community-focused commercial bank based in Michigan. The OXBC news feed highlights corporate developments, financial performance, and strategic initiatives that shape the company’s trajectory as a commercial banking and commercial finance organization.
Investors and observers following OXBC news will find regular updates on quarterly and year-to-date operating results, including trends in net interest income, noninterest income, provisions for credit losses, and overall profitability. These releases provide detail on loan and lease growth, deposit trends, funding mix, and changes in the allowance for credit losses, giving insight into Oxford Bank’s balance sheet and earnings profile.
Company news also covers Oxford Bank’s community banking footprint and expansion of its business banking and commercial finance activities. Examples include commentary on full-relationship lending, developments in small business lending initiatives, and updates on Oxford Commercial Finance, the bank’s subsidiary focused on commercial finance and alternative asset segments such as working capital, alternative energy, and leasing.
Governance and leadership updates appear in the OXBC news stream as well, including appointments to the Oxford Bank Board of Directors and changes in key executive roles. Additional news items highlight community and customer-focused initiatives, such as cyber security education events with FBI specialists and financial literacy programs tied to the bank’s long-standing presence in Oakland County and surrounding markets.
For anyone researching Oxford Bank Corporation stock or monitoring developments at a long-established community bank with a growing commercial finance platform, the OXBC news page offers a centralized view of the company’s reported financial results, strategic moves, and community-oriented activities.
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.
Oxford Bank (OTC: OXBC), established in 1884 and the oldest commercial bank in Oakland County, Michigan, celebrates its 140th anniversary. The bank has endured historical economic challenges, including two world wars and the Great Depression. As of 2024, it has $816.666 million in deposits and a 36% increase in earnings since 2022. It operates seven branches and three customer experience centers in Michigan, offering advanced services like interactive teller machines and fraud prevention tools.
Recent expansions include the 2022 launch of Oxford Commercial Finance and the rebranding of wealth services to Oxford Wealth Management. The bank is also committed to community service, pledging 1400 volunteer hours to local non-profits in 2024. Celebratory events will be held throughout the year, including a historical exhibit and community celebrations.
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