← Back to Institutions
Bank of Ann Arbor
Ann Arbor, MI·FDIC Cert #34120·Charter: STATE·Est. 19960116.0·HC: ARBOR BCORP INC
Total Assets
$3.3B
Q4 2025
Return on Assets
1.72%
-0.07%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.85%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.72%-0.07
ROE
12.47%-0.63
Efficiency
50.85%+4.45
Equity/Assets
0.00%+0.00
NPL Ratio
0.26%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.23%+3.38
Charge-offs
0.08%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.6 | 1.7 | 1.6 | 1.7 | 1.7 | 1.8 | 1.7 |
| ROE | 12.3 | 12.3 | 12.8 | 11.9 | 12.5 | 12.7 | 13.1 | 12.5 |
| Efficiency | 50.8 | 50.7 | 49.8 | 52.7 | 47.4 | 46.8 | 46.4 | 50.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 |
| Charge-offs | -0.1 | -0.1 | -0.0 | -0.0 | 0.1 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 95.8 | 102.7 | 94.5 | 96.3 | 93.7 | 100.2 | 94.8 | 98.2 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.7B
Total Loans$2.7B
Total Equity$475.7M
Profitability
ROA1.72%
ROE12.47%
Efficiency Ratio50.85%
Net Income$56.4M
Risk & Asset Quality
NPL Ratio0.26%
Charge-off Rate0.08%
Loan/Deposit98.23%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans