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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 $3.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $648.5M18%Noninterest $138.5MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.79%0.82%0.82%0.83%+3 bps
Return on Equity7.16%7.07%7.30%7.36%7.40%+23 bps
Net Interest Margin2.82%2.81%2.79%2.71%2.78%-4 bps
Efficiency Ratio57.96%58.55%58.85%67.21%64.95%+699 bps
Non-Interest Burden1.56%1.58%1.57%1.85%1.79%+23 bps
Growth
Asset Growth (YoY)8.22%8.47%11.45%7.98%12.65%+443 bps
Loan Growth (YoY)35.32%24.33%20.27%17.15%14.38%-2,095 bps
Deposit Growth (YoY)8.92%9.98%10.84%9.52%11.72%+281 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.13%0.16%0.15%0.13%-3 bps
Net Charge-Offs / Loans0.19%0.17%0.12%0.01%0.02%-17 bps
Allowance / Loans1.00%1.07%1.06%1.04%1.04%+4 bps
Allowance Coverage of NPLs6.2x8.5x6.8x7.0x8.2x+2.0x
Capital
Tier 1 Leverage Ratio12.00%12.19%12.15%11.53%11.87%-12 bps
Total Risk-Based Capital12.00%12.19%12.15%11.53%11.87%-12 bps
Equity / Assets11.46%11.46%11.25%11.06%11.22%-24 bps
Liquidity & Funding
Loans / Deposits66.10%62.72%62.69%65.10%67.67%+157 bps
Liquid Assets / Assets1.08%2.56%4.03%1.90%3.38%+230 bps
CRE / Total Capitaln/a260%273%298%n/an/a