Bank of Ann Arbor
Ann Arbor, MI · Cert 34120 · Peer group: banks $1B-$10B in assets (n=322-328) · Arbor Bcorp Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
$3.5BAssets
$2.7BLoans
$2.8BDeposits
$499.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 91% of banks $1B-$10B in assets (rank 30 of 328).
- Widest gap: net charge-offs / loans trails 61% of banks $1B-$10B in assets (rank 199 of 322).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.92%
Rank 30 of 328
Net Interest Margin
4.15%
Rank 46 of 328
Efficiency Ratio
44.72%
Rank 36 of 328
Equity / Assets
14.27%
Rank 31 of 328
Non-interest income vs. expense
Unfavorable gap of $48.8M · efficiency ratio beats 89% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.92% | 0.91% | 1.22% | 1.52% | Beats 91% | 30 / 328 | | |
| Return on Equity | 13.44% | 8.43% | 11.45% | 14.43% | Beats 68% | 106 / 328 | | |
| Net Interest Margin | 4.15% | 3.03% | 3.45% | 3.83% | Beats 86% | 46 / 328 | | |
| Efficiency Ratio | 44.72% | 51.61% | 59.56% | 67.53% | Beats 89% | 36 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.24% | 0.51% | 1.03% | Beats 71% | 95 / 322 | | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.03% | 0.10% | Beats 39% | 199 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.27% | 11.75% | 13.15% | 15.47% | Beats 65% | 115 / 328 | | |
| Total Risk-Based Capital Ratio | 15.42% | 12.63% | 14.15% | 16.46% | Beats 67% | 109 / 328 | | |
| Equity / Assets | 14.27% | 9.15% | 10.33% | 12.01% | Beats 91% | 31 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.77% | 76.63% | 87.92% | 95.36% | 70th pctl | 96 / 323 | | |
| Loans / Assets | 76.23% | 65.18% | 74.15% | 79.98% | 60th pctl | 132 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |