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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 34120 · MI A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #535/4307
  • PHOTO-FINISH EverTrust Bank · CA
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-STRONG 1.72% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: EverTrust Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Ann Arbor

Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Ann Arbor · MI · thi…92/100EverTrust Bank · CA · near92/100NorthStar Bank · IA · near92/100TD Bank USA, Nationa… · DE ·…92/100The Bank · LA · near92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Ann Arbor · July 2026

Call Report read for Bank of Ann Arbor in a high-failure state

Bank of Ann Arbor (FDIC Cert #34120) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #535 of 4,307. Tier 1 capital prints at 13.23%, clearing the 10% well-capitalized line. The Texas Ratio is 1.38%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.72%. Balance-sheet scale is $3.3B, 381st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is EverTrust Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Ann Arbor

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

Bank of Ann Arbor sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Bank of Ann Arbor's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.

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.

0/100100/100National avg77/10092/100
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 Assets

$3.3B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.83% 13.23% 14.63%
Basel III capital ratios - Bank of Ann Arbor

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 12% higher than 88% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Bank of Ann Arbor 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Bank of Ann Arbor

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

What these ratios mean →

Earnings posture at Bank of Ann Arbor

Return on Assets (ROA)
83rd percentile nationally
1.72%
Return on Equity (ROE)
12.47%
Efficiency Ratio
50.85%

What these mean →

Income & expense at Bank of Ann Arbor

$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.

FDIC Failed Bank List → View Bank of Ann Arbor on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

Top 5 banks in Michigan ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.3B here), outside Michigan so the neighborhood is not state containment.

Stearns Bank $3.3B · MN Fidelity Bank $3.3B · KS Red River Bank $3.3B · LA Bankwell Bank $3.4B · CT

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.

Bank of Ann Arbor Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
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%