Oxford Bank (OTCMKTS: OXBC) is a Massachusetts-based community bank headquartered in Oxford, Massachusetts. Established as a mutual savings institution in the late 19th century, the bank now operates as a publicly traded company on the OTC Markets. It focuses on providing personalized banking services to individuals and businesses across central Massachusetts, combining local decision-making with a commitment to community engagement.
In its personal banking division, Oxford Bank offers a range of deposit products including checking accounts, savings accounts, money market accounts and certificates of deposit. The bank also provides retail lending solutions such as residential mortgages, home equity lines of credit, auto loans and personal installment loans. These products are designed to meet the day-to-day and long-term financial needs of local consumers.
On the commercial side, Oxford Bank delivers business deposit accounts, commercial real estate financing, lines of credit and term loans to small and medium-sized enterprises. Additional services include cash management tools, remote deposit capture and SBA-guaranteed lending programs. By tailoring financial solutions to the needs of regional businesses, the bank aims to support economic growth and job creation within its service area.
Serving primarily Worcester County and surrounding communities, Oxford Bank maintains a network of branch offices where customers can access in-person banking services. The bank emphasizes community involvement through sponsorships and local partnerships. While specific management details are not publicly detailed, Oxford Bank is governed by a board of directors and a management team with deep roots in the region’s banking sector.
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