At Oxford Bank, we often say that community banking is more than a business model —

it’s a commitment. For over a century, we’ve had the privilege of standing alongside

families, small businesses, and civic leaders as partners in progress. But what does that

really mean? Let’s talk about what community banking is all about — and why it matters now more than ever.

Unlike large national banks, community banks like Oxford Bank are locally owned and

operated. Our decisions aren’t made in distant boardrooms or dictated by Wall Street.

They’re made here — by people who live and work in the same communities we serve.

When you walk into one of our branches, you’re greeted by neighbors, not just bankers.

We know the names of our customers, not just their account numbers. That personal

connection drives everything we do, from how we tailor financial solutions to how we

invest in local initiatives.

Community banking is about shared success. When we help a local business owner

secure a loan to expand operations or assist a young couple in buying their first home,

we’re not just closing a transaction — we’re planting seeds for long-term prosperity.

Our lending decisions are based on relationships and local knowledge, not just algorithms. That means we’re often able to find solutions that national lenders might overlook. We believe that responsible, accessible lending strengthens the entire community.

In an era of uncertainty, community banks provide a steady hand. Because we focus on

sustainable growth and local investments, we’re less exposed to the market volatility that can affect larger institutions. Our customers can feel confident knowing their money is managed with care, prudence, and integrity. At Oxford Bank, our roots go deep. Founded in 1884, we are the oldest commercial bank headquartered in Oakland County, Michigan. We've weathered economic cycles and industry changes, always staying true to our mission: to serve with strength, integrity, and heart.

We embrace innovation and offer the digital tools our customers expect — from mobile banking to remote deposit — but we never let technology replace the human touch. Whether online or in person, our team is here to listen, guide, and support you. We’re proud to combine the convenience of modern banking with the care and accountability of a true community partner.

Community banking is about relationships. It’s about trust, accountability, and shared values. At Oxford Bank, we believe that when our communities thrive, we all do. That’s why we’re here — not just to serve, but to stand with you through every season of life.

Thank you for being part of our community. Thank you for banking with Oxford.