Total Assets
$3.3B
Total balance-sheet footings
FDIC Cert #34120 · Ann Arbor, Michigan · Est. 1996
Bank of Ann Arbor - FDIC Bank Health Profile
A community-scale look at Bank of Ann Arbor's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.3B
- Total assets
- A
- Health grade · Excellent
- 1.72%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Ann Arbor earns a PlainBankData health grade of A (92/100), with well-capitalized at 13.23% Tier 1, profitable at 1.72% ROA, efficient (51% cost ratio).
- #381
- largest of 4,313 FDIC banks by assets
- 91st
- percentile by asset size, nationally
- 13.23%
- Tier 1 ratio - above the 10% well-capitalized line
- 83rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Ann Arbor's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Ann Arbor's composite health score
Tier 1 Capital Ratio (13.23%) 35/40
Return on Assets (ROA) (1.72%) 25/25
Texas Ratio (1.38%) 20/20
Efficiency Ratio (50.85%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.7B
Customer-funded liabilities
Net Loans
$2.7B
Outstanding loan book
Net Income
$56M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Ann Arbor ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Ann Arbor's score of 92/100 falls in the highlighted band.
Bank of Ann Arbor's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Ann Arbor's $3.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.23%
Texas Ratio
1.38%
Equity Capital
$476M
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.72%
Return on Equity (ROE)
12.47%
Efficiency Ratio
50.85%
What the numbers say about Bank of Ann Arbor
Bank of Ann Arbor is an FDIC-insured institution (Certificate #34120) headquartered in Ann Arbor, Michigan, established in 1996. It holds $3.3B in total assets - 381st of 4,313 FDIC-insured banks, $2.7B in customer deposits, and $2.7B in net loans. Capital-wise, the Tier 1 ratio sits at 13.23%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.38%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Bank of Ann Arbor sits in the top decile of all FDIC-insured institutions by asset size (381st of 4,313), and within Michigan it ranks 7th of 73 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Isabella Bank, at $2.2B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$181M
Interest Income
$20M
Non-Interest Income
$77M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Ann Arbor reports a Texas Ratio of 1.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Ann Arbor (FDIC Cert #34120) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
| Southern Michigan Bank & TrustColdwater | $1.7B | B | 0.91% |
Frequently asked questions
What is Bank of Ann Arbor's health grade?▼
Bank of Ann Arbor receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Ann Arbor?▼
Bank of Ann Arbor holds $3.3B in total assets and $2.7B in deposits, ranking 381st of 4,313 FDIC-insured banks by asset size. It is headquartered in Ann Arbor, Michigan.
Is my money safe at Bank of Ann Arbor?▼
Yes, deposits at Bank of Ann Arbor (Certificate #34120) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Ann Arbor's Tier 1 Capital Ratio?▼
Bank of Ann Arbor has a Tier 1 Capital Ratio of 13.23%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Ann Arbor?▼
Bank of Ann Arbor has a Texas Ratio of 1.38%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Ann Arbor?▼
Bank of Ann Arbor has an Efficiency Ratio of 50.85%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Ann Arbor's profile as a depositor or analyst.
- Bank of Ann Arbor's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Ann Arbor against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.