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FNB Oxford Bank

Oxford, MS · Cert 5005 · First National Holding Co.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

FNB Oxford Bank

Oxford, MS · Cert 5005 · First National Holding Co.

State charter, Fed member · FED · 7 branches

Q2 2026

$939.7MAssets
$532.5MLoans
$786.9MDeposits
$105.4MEquity
Loan mix
94%RE $474.5M6%C&I $28.1M1%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $648.5M18%Noninterest $138.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.83%, up 3 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.13% of loans (-3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.87%, down 12 bps from a year ago.
  • Funding: loans stand at 67.67% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.78%-4 bps YoY

Efficiency Ratio (YTD, annualized)

64.95%+699 bps YoY

Tier 1 Leverage Ratio

11.87%-12 bps YoY

NIM

4.84%Q2 ’245.15%Q2 ’255.16%Q2 ’26+13%-1%

Non-interest income vs. expense

1.65%Q2 ’241.73%Q2 ’251.83%Q2 ’26+44%+15%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%1.01%0.69%0.79%0.79%0.82%0.82%0.83%+3 bps
Return on Equity7.43%9.25%6.31%7.16%7.07%7.30%7.36%7.40%+23 bps
Net Interest Margin2.57%2.57%2.76%2.82%2.81%2.79%2.71%2.78%-4 bps
Efficiency Ratio56.73%51.82%57.15%57.96%58.55%58.85%67.21%64.95%+699 bps
Non-Interest Burden1.26%0.98%1.50%1.56%1.58%1.57%1.85%1.79%+23 bps
Growth
Asset Growth (YoY)22.21%19.89%10.73%8.22%8.47%11.45%7.98%12.65%+443 bps
Loan Growth (YoY)14.51%22.43%22.87%35.32%24.33%20.27%17.15%14.38%-2,095 bps
Deposit Growth (YoY)23.28%25.60%11.58%8.92%9.98%10.84%9.52%11.72%+281 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.17%0.34%0.16%0.13%0.16%0.15%0.13%-3 bps
Net Charge-Offs / Loans0.03%0.05%0.04%0.19%0.17%0.12%0.01%0.02%-17 bps
Allowance / Loans0.97%0.97%1.01%1.00%1.07%1.06%1.04%1.04%+4 bps
Allowance Coverage of NPLs209.8x5.7x3.0x6.2x8.5x6.8x7.0x8.2x+2.0x
Capital
Tier 1 Leverage Ratio12.26%12.37%11.84%12.00%12.19%12.15%11.53%11.87%-12 bps
Total Risk-Based Capital12.26%12.37%11.84%12.00%12.19%12.15%11.53%11.87%-12 bps
Equity / Assets11.28%10.99%10.84%11.46%11.46%11.25%11.06%11.22%-24 bps
Liquidity & Funding
Loans / Deposits55.48%57.78%60.86%66.10%62.72%62.69%65.10%67.67%+157 bps
Liquid Assets / Assets2.89%1.36%0.43%1.08%2.56%4.03%1.90%3.38%+230 bps
CRE / Total Capitaln/an/an/an/a260%273%298%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

FNB Oxford Bank

Oxford, MS · Cert 5005 · Peer group: banks under $1B in assets (n=581-629) · First National Holding Co.

State charter, Fed member · FED · 7 branches

Q2 2026

$939.7MAssets
$532.5MLoans
$786.9MDeposits
$105.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets (rank 165 of 581).
  • Widest gap: net interest margin trails 84% of banks under $1B in assets (rank 529 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.82%

Rank 408 of 629

Net Interest Margin

2.78%

Rank 529 of 629

Efficiency Ratio

64.95%

Rank 262 of 629

Equity / Assets

11.22%

Rank 271 of 629

Non-interest income vs. expense

$0.4M$17.1MINCOMEEXPENSE
Unfavorable gap of $16.6M · efficiency ratio beats 59% of banks under $1B in assets
Bank 64.95%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.82%0.60%1.01%1.45%Beats 35%408 / 629
Return on Equity7.27%5.38%9.30%13.28%Beats 34%415 / 629
Net Interest Margin2.78%3.03%3.54%4.05%Beats 16%529 / 629
Efficiency Ratio64.95%58.35%67.79%79.08%Beats 59%262 / 629
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.46%1.20%Beats 72%165 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 43%334 / 581
Capital
Tier 1 Capital Ratio11.87%11.24%13.84%18.77%Beats 32%428 / 629
Total Risk-Based Capital Ratio11.87%11.58%14.43%19.66%Beats 27%457 / 629
Equity / Assets11.22%9.09%10.65%13.80%Beats 57%271 / 629
Liquidity & Funding
Loans / Deposits67.67%67.24%80.90%93.48%25th pctl443 / 594
Loans / Assets56.67%53.31%67.71%78.15%29th pctl444 / 629
Brokered Deposits / Depositsn/aNot reported for this institution