Compared with Michigan
11 of 20
compared fees are above the median.
6 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
66th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Michigan median
of 20 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for Oxford Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Oxford Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.8% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (66th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $380K in Q2 2026, 148% above the same quarter a year earlier ($153K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 20 compared published fees sit above the Michigan median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Michigan medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Compared at $25, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 141% from Q3 2025 to Q2 2026, to $380K. Its share of revenue, 2.8%, is above the 2.1% median for banks with $300M to $1B in assets.
$380K
Oxford BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Oxford Bank · $931M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Oxford Bank(this institution) | Oxford, MI | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Bank & Trust Company, Inc. | Bowling Green, KY | $924M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Botetourt | Buchanan, VA | $939M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DR Bank | Darien, CT | $913M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FinWise Bank | Murray, UT | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank & Trust Co. | Duncan, OK | $952M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commerce Bank | Lewisburg, TN | $935M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Bank of Tennessee | Shelbyville, TN | $944M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Northern Bank and Trust Company | Palmerton, PA | $921M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank | Waynesboro, MS | $952M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Franklin Savings Bank | Franklin, NH | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greenfield Banking Company | Greenfield, IN | $930M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Legends Bank | Clarksville, TN | $928M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lindell Bank & Trust Company | St. Louis, MO | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid-Missouri Bank | Springfield, MO | $947M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Passumpsic Savings Bank | Saint Johnsbury, VT | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| SpiritBank | Tulsa, OK | $913M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| StonehamBank, A Co-operative Bank | Stoneham, MA | $918M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Heritage National Bank | Daingerfield, TX | $936M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Berlin, WI | $949M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers Bank | Portland, TN | $943M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Granbury | Granbury, TX | $946M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The First National Bank of Middle Tennessee | Mcminnville, TN | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Juniata Valley Bank | Mifflintown, PA | $918M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Killbuck Savings Bank Company | Killbuck, OH | $954M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Winchester Co-operative Bank | Winchester, MA | $947M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $8.50 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Oxford Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $380K | +$48K | +14.5% |
| Q1 2026 | $332K | +$159K | +91.9% |
| Q4 2025 | $173K | +$15K | +9.5% |
| Q3 2025 | $158K | +$5K | +3.3% |
| Q2 2025 | $153K | +$6K | +4.1% |
| Q1 2025 | $147K | +$1K | +0.7% |
| Q4 2024 | $146K | −$11K | −7.0% |
| Q3 2024 | $157K | −$30K | −16.0% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Oxford Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Oxford Bank by share.
Amounts from Oxford Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per month
per item
per item
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Hard Token Charge (Monthly Fee Per Token) | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checking Account Fees New Account Closed within 90 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Records Research Fee (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement: Paper Statement Fee (per month) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Statement Fee (per month) | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Item Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item Fee (NSF) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Check/Returned ACH Fee | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Sweep Overdraft Transfer Fee | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transactions (NYCE, PLUS at any non-Oxford Bank terminal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| External Funds/Wire Transfer Fees Wire Transfer - Domestic Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer - Domestic Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing International Wire Fee (Per Wire) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check (Oxford Bank account holders only) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders - Oxford Bank account holders only (max $500.00) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee (Per Item) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks (max. of 4) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Statement: Check Image(s) Fee (per month) | $3Not compared: Monthly charge, not per item | per month | None |
Digital & Electronic | |||
| Same Day ACH Batch Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Same Day ACH Fee (Per Item) | $0.50Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Night Depository - Lost Key | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Miscellaneous Deposit Account Fees Garnishment or Tax Levy (if applicable up to $50) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card/Prepaid Card Fees Prepaid Card - Reload Fee | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Prepaid Card - Fee for Purchase | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement (snapshot, reproduction or duplicate) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Oxford Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state, $782.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 7 | $752.6M | |
| 1 | $30.0M |
Detroit-Warren-Dearborn, MI
0.4% of bank deposits, #14 of 37, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 29.2% |
| Fifth Third Bank, National Association | 21.7% |
| Bank of America, National Association | 14.5% |
| The Huntington National Bank | 9.4% |
| PNC Bank, National Association | 7.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Detroit-Warren-Dearborn, MI, Oxford Bank holds 0.4% of bank deposits, #14 of 37, with 7 offices.
900 offices of 46 institutions shown.
Showing 900 of 1,073 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 37 institutions shown. $183.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.4% share, 7 offices, #14 of 37
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
355 offices of 72 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.