🏦Bank Scorer

BANK OF ANN ARBOR

ANN ARBOR, MI · Supervised by FDIC

Est. 1996FDIC #34,120RSSD: FDIC-34120
Part ofARBOR BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.91%

Institution Profile

FDIC BankFind

Address

125 S 5th Ave, ANN ARBOR, MI

County

Washtenaw County

Established

January 16, 1996

Total Assets

$3.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.7B

Net Loans

$2.7B

Net Income

$16M

ROA

1.91%

ROE

13.28%

Risk-Based Capital

14.69%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.02%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$2.7B

1-Year Change

0

5-year net change: +9 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416675.3%6.02%
202318482.61%5.98%
202234985.67%2.58%
202195887.27%3.55%
202075182.82%5.33%
201938376.76%6.01%
201835979.94%4.74%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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