Bank of Ann Arbor: how it compares with its peers
Against 447 U.S. banks with half to twice its assets, Bank of Ann Arbor's strongest measure in Q2 2026 is return on assets (1.98% vs. a 1.27% peer median). Its weakest relative measure is assets per employee ($11.0M vs. $9.2M).
| Measure | Bank of Ann Arbor | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.98% | 1.27% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.41% | 3.68% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.40% | 58.17% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.0M | $9.2M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.61% | 88.60% | Context |
What it means for lending operations
Its efficiency ratio of 44.40% is better than the 58.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- MVB Bank, Inc Fairmont, WV · $3.50B
- First Farmers Bank & Trust Co. Converse, IN · $3.50B
- The Farmers & Merchants State Bank Archbold, OH · $3.49B
- Cache Valley Bank Logan, UT · $3.49B
- Ponce Bank, National Association Bronx, NY · $3.49B
- Banco do Brasil Americas Miami, FL · $3.47B
Questions about Bank of Ann Arbor
How big is Bank of Ann Arbor?
Bank of Ann Arbor, established in 1996, is headquartered in Ann Arbor, MI. It reported $3.50B in total assets in its Q2 2026 FDIC call report and operates 18 offices.
What is Bank of Ann Arbor's return on assets?
1.98% annualized in Q2 2026, against a 1.27% median for 447 U.S. banks with half to twice its assets, ahead of 87% of them.
What is Bank of Ann Arbor's efficiency ratio?
44.40% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 58.17%, and lower is better.
Is Bank of Ann Arbor growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 6.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.