Case Study: Oxford Bank achieves faster loan closings, saves ~50 staff-hours per week and grows commercial portfolio 11% with nCino

Oxford Bank - Customer Case Study

Oxford Bank is a $417 million–asset community bank in Oxford, Michigan, that set out to capture market share after the 2008 downturn by refocusing on commercial lending and modernizing heavily manual, paper-driven processes. Executives needed an end-to-end, scalable solution with CRM, a user-friendly online application portal, electronic document collection, and elimination of repetitive data entry to improve accuracy and support growth.

Oxford implemented the nCino Bank Operating System (built on Salesforce) in 2015 to automate workflows, centralize reporting and document management, and provide a Customer Portal. The bank saved roughly 50 staff‑hours per week (weekly pipeline meetings dropped from three hours to one), reduced repetitive data entry (from ~96 entries to under a dozen on some loans), grew its commercial portfolio more than 11% in a year, originated $100M in commercial loans in 2017, closed loans faster, improved auditability, and delivered a better customer experience.

Oxford Bank

Elizabeth Dysko

Vice President, Senior Underwriter