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Bank Of Ann Arbor
Ann Arbor, MI · FDIC Certificate #34120 · Chartered 01/1
Total assets
$3.50B
Total deposits
$2.84B
Total equity
$498.96M
Net loans
$2.63B
Branches (offices)
18
Net income (YTD)
$33.54M
Rank: #370 of 4,213 U.S. banks by assets · #7 of 72 in Michigan. Assets changed 6.3% and deposits 6.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.98% |
| Return on equity | 13.82% |
| Net interest margin (YTD) | 4.41% |
| Equity to assets | 14.27% |
| Tier 1 leverage ratio | 13.17% |
| Uninsured deposits (share of deposits) | 44.0% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 92.6% |
| Real estate loans (share of loans) | 63.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.68B | 63.9% | |
| Commercial & industrial | $654.51M | 24.9% | |
| Consumer / individual | $13.61M | 0.5% | |
| Construction & development | $119.64M | 4.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.26B | $2.81B | $22.31M | $335.19M |
| Jun 2023 | $3.09B | $2.49B | $26.55M | $380.11M |
| Jun 2024 | $3.14B | $2.46B | $24.92M | $411.91M |
| Jun 2025 | $3.29B | $2.66B | $28.00M | $452.41M |
| Jun 2026 | $3.50B | $2.84B | $33.54M | $498.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $2.84B | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.84B.
Similar-sized banks
Mvb Bank, Inc ($3.50B) · First Farmers Bank & Trust Co. ($3.50B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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