BanksFNB OXFORD BANK

FNB OXFORD BANK

OXFORD, MSMediumEst. Oct. 10, 1910, midnightFDIC #5005RSSD #590640FED
Latest · 2025-12-31

FNB OXFORD BANK is an 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 3.07%. CET1 capital ratio: 11.25%, well above regulatory minimums. NPL ratio: 0.18% · Texas Ratio: 0.82%. Operates 6 domestic branches.

Assets
$911M
Deposits
$773M
Loans
$484M
Equity
$103M

Profitability

Return on Assets (ROA)0.90%
Return on Equity (ROE)7.94%
Net Interest Margin3.07%
Yield on Assets5.60%
Cost of Funds2.71%

Asset Quality

NPL Ratio0.18%
Net Charge-Off Ratio-0.02%
Texas Ratio0.82%
NPA Ratio0.10%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio11.25%
Tier 1 Capital11.25%
Total Capital Ratio11.82%
Leverage Ratio12.15%
Loan-to-Deposit62.69%

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