FNB OXFORD BANK

OXFORD, MS | Medium | Est. Oct. 10, 1910, midnight | FDIC #5005 | RSSD #590640 | FED
Latest Report: 2025-12-31

FNB OXFORD BANK is amn medium FDIC-insured commercial bank headquartered in OXFORD, MS, established in Oct. 10, 1910, midnight. As of 2025-12-31, the bank reported total assets of $911M and total deposits of $773M. Profitability stands at 0.90% ROA and 7.94% ROE, with a net interest margin of 3.15%. The bank's CET1 capital ratio is 11.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.71%. FDIC Certificate #5005.

Assets

$911M

Deposits

$773M

Loans

$484M

Equity

$103M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 7.94%
Net Interest Margin (NIM) 3.15%
Yield on Assets 5.74%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.12%
Texas Ratio 0.71%
NPA Ratio 0.08%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 11.25%
Tier 1 Capital 11.25%
Total Capital Ratio 11.82%
Leverage Ratio 12.15%
Loan-to-Deposit 62.69%

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