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
Unfavorable gap of $3.5M · efficiency ratio beats 94% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.38% | 0.78% | 1.22% | Beats 35% | 401 / 615 | n/a | |
| Return on Equity | 5.77% | 4.20% | 7.94% | 12.05% | Beats 35% | 402 / 614 | n/a | |
| Net Interest Margin | 3.52% | 2.66% | 3.18% | 3.74% | Beats 65% | 212 / 608 | n/a | |
| Efficiency Ratio | 47.16% | 61.61% | 72.96% | 85.16% | Beats 94% | 38 / 614 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.07% | 0.29% | 0.76% | Beats 33% | 380 / 565 | n/a | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.04% | Beats 44% | 317 / 565 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 11.06% | 11.66% | 14.13% | 19.83% | Beats 18% | 502 / 614 | n/a | |
| Total Risk-Based Capital Ratio | 12.00% | 12.30% | 15.08% | 20.79% | Beats 22% | 478 / 614 | n/a | |
| Equity / Assets | 9.53% | 7.99% | 9.79% | 12.86% | Beats 46% | 329 / 614 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 83.50% | 63.02% | 78.97% | 92.93% | 58th pctl | 243 / 576 | n/a | |
| Loans / Assets | 74.29% | 54.23% | 67.08% | 77.53% | 66th pctl | 190 / 565 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |