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
Unfavorable gap of $16.6M · efficiency ratio beats 59% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.60% | 1.01% | 1.45% | Beats 35% | 408 / 629 | |
| Return on Equity | 7.27% | 5.38% | 9.30% | 13.28% | Beats 34% | 415 / 629 | |
| Net Interest Margin | 2.78% | 3.03% | 3.54% | 4.05% | Beats 16% | 529 / 629 | |
| Efficiency Ratio | 64.95% | 58.35% | 67.79% | 79.08% | Beats 59% | 262 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.46% | 1.20% | Beats 72% | 165 / 581 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 43% | 334 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.87% | 11.24% | 13.84% | 18.77% | Beats 32% | 428 / 629 | |
| Total Risk-Based Capital Ratio | 11.87% | 11.58% | 14.43% | 19.66% | Beats 27% | 457 / 629 | |
| Equity / Assets | 11.22% | 9.09% | 10.65% | 13.80% | Beats 57% | 271 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 67.67% | 67.24% | 80.90% | 93.48% | 25th pctl | 443 / 594 | |
| Loans / Assets | 56.67% | 53.31% | 67.71% | 78.15% | 29th pctl | 444 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |