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Oxford University Bank

Oxford, MS · Cert 57034

FDIC · 3 branches

Q2 2024

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, 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=565 to 615). 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

29

Q2 2024Q2 2024peer median (50)

Asset Quality

39

Q2 2024Q2 2024peer median (50)

Profitability

45

Q2 2024Q2 2024peer median (50)

Liquidity

82

Q2 2024Q2 2024peer median

Efficiency

94

Q2 2024Q2 2024peer 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

Oxford University Bank

Oxford, MS · Cert 57034

FDIC · 3 branches

Q2 2024

$231.6MAssets
$172.0MLoans
$206.0MDeposits
$22.1MEquity
Loan mix
84%RE $128.2M11%C&I $17.5M5%Consumer $7.1MQ2 2023Q2 2024
Deposit mix
67%Interest-bearing $138.2M33%Noninterest $67.8MQ2 2023Q2 2024

NIM

3.52%Q2 ’224.16%Q2 ’234.55%Q2 ’24-12%+26%

Non-interest income vs. expense

2.33%Q2 ’222.56%Q2 ’231.75%Q2 ’24+24%-31%

Executive Summary

  • Earnings: ROA of 0.54%, up 8 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.55% of loans (+49 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.62%, down 359 bps from a year ago.
  • Funding: loans stand at 83.50% of deposits as of Q2 2024.

Financial Results

Return on Assets (YTD, annualized)

0.54%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+73 bps YoY

Efficiency Ratio (YTD, annualized)

47.16%-3,293 bps YoY

Tier 1 Leverage Ratio

8.62%-359 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets0.47%0.47%0.63%-1.53%0.54%+8 bps
Return on Equity4.20%4.26%5.67%-14.64%5.35%+115 bps
Net Interest Margin2.79%2.83%2.92%1.70%3.52%+73 bps
Efficiency Ratio80.09%79.93%75.65%43.95%47.16%-3,293 bps
Non-Interest Burden2.16%2.18%2.06%0.65%1.48%-67 bps
Growth
Asset Growth (YoY)-0.54%3.66%4.67%7.36%2.90%+344 bps
Loan Growth (YoY)12.67%7.60%7.62%0.04%-0.55%-1,322 bps
Deposit Growth (YoY)-16.30%-8.41%-1.47%13.57%23.86%+4,016 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.11%0.28%0.55%+49 bps
Net Charge-Offs / Loans0.02%0.01%0.10%0.00%0.02%0 bps
Allowance / Loans1.30%1.34%1.22%1.32%1.30%0 bps
Allowance Coverage of NPLs23.0x25.5x11.4x4.8x2.4x-20.6x
Capital
Tier 1 Leverage Ratio12.21%12.17%12.48%7.88%8.62%-359 bps
Total Risk-Based Capital12.21%12.17%12.48%11.13%12.00%-21 bps
Equity / Assets10.94%10.71%11.45%9.57%9.53%-141 bps
Liquidity & Funding
Loans / Deposits103.99%98.50%104.20%87.52%83.50%-2,049 bps
Liquid Assets / Assets0.71%1.98%0.39%1.34%2.39%+168 bps
CRE / Total Capitaln/an/an/an/an/an/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

Oxford University Bank

Oxford, MS · Cert 57034 · Peer group: banks under $1B in assets (n=565-615)

FDIC · 3 branches

Q2 2024

$231.6MAssets
$172.0MLoans
$206.0MDeposits
$22.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets (rank 38 of 614).
  • Widest gap: tier 1 capital ratio trails 82% of banks under $1B in assets (rank 502 of 614).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.55%

Rank 401 of 615

Net Interest Margin

3.52%

Rank 212 of 608

Efficiency Ratio

47.16%

Rank 38 of 614

Equity / Assets

9.53%

Rank 329 of 614

Non-interest income vs. expense

$0.6M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 94% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.38%0.78%1.22%Beats 35%401 / 615
Return on Equity5.77%4.20%7.94%12.05%Beats 35%402 / 614
Net Interest Margin3.52%2.66%3.18%3.74%Beats 65%212 / 608
Efficiency Ratio47.16%61.61%72.96%85.16%Beats 94%38 / 614
Asset Quality
Nonperforming Loans / Loans0.55%0.07%0.29%0.76%Beats 33%380 / 565
Net Charge-Offs / Loans0.01%n/a0.01%0.04%Beats 44%317 / 565
Capital
Tier 1 Capital Ratio11.06%11.66%14.13%19.83%Beats 18%502 / 614
Total Risk-Based Capital Ratio12.00%12.30%15.08%20.79%Beats 22%478 / 614
Equity / Assets9.53%7.99%9.79%12.86%Beats 46%329 / 614
Liquidity & Funding
Loans / Deposits83.50%63.02%78.97%92.93%58th pctl243 / 576
Loans / Assets74.29%54.23%67.08%77.53%66th pctl190 / 565
Brokered Deposits / Depositsn/aNot reported for this institution