FNB Oxford Bank
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Data as of · sourced from FFIEC call reports. How we update
FNB Oxford Bank is an FDIC-insured commercial bank headquartered in Oxford, MS, established in 1910 (FDIC certificate 5005), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $939.7M, up 12.7% from Q2 2025, the 17th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.87% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5005
- Headquarters
- Oxford, MS
- Established
- 1910
- Total assets, Q2 2026
- $939.7M
- Assets vs Q2 2025
- +12.7%
- Tier 1 leverage ratio, Q2 2026
- 11.87%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 084201825
- Latest call report
- Q2 2026, FFIEC 051 · FNB Oxford Bank call report
- Holding company
- FIRST NATIONAL HOLDING COMPANY
- Asset rank in state
- 17th of 57 in Mississippi
FNB Oxford Bank, based in Oxford, Mississippi, reported $940 million in assets at June 30, 2026, up 12.7% from a year earlier. It keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also pays an average of 2.71% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, FNB Oxford Bank reported a return on assets of 0.83%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.61%. The figures come from its call report filed with the FFIEC.
FNB Oxford Bank ranks as the 17th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $939.7M, loans rose 3.3% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.3% of total loans, followed by non-owner-occupied commercial real estate loans at 21.1%. The FDIC Summary of Deposits lists 7 offices for it, in Oxford, MS, Tupelo, MS and Water Valley, MS; its Oxford 4 offices book 90% of its branch deposits. By the capital ratios in its Q2 2026 call report, FNB Oxford Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 Courthouse Sq, Oxford, MS 38655
- County
- Lafayette
- Metro Area
- Oxford, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 10, 1910
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 119
- Domestic deposits
- $786.9M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $58K
- Average total assets
- $930.2M
- Average total loans
- $529.1M
- Average interest-bearing deposits
- $636.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5005
- Fed RSSD
- 590640
- Website
- www.fnboxford.com →
- Parent Holding Company
- FIRST NATIONAL HOLDING COMPANY (RSSD 1097070)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, FNB Oxford Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, FNB Oxford Bank's total assets ranged from $652.3M (Q3 2023) to $939.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$939.7M total assets against $834.2M; $834.3M total liabilities against $738.6M.
$527.0M net loans and leases against $460.9M; $786.9M total deposits against $704.4M.
$311.3M securities against $318.5M; $51.7M cash and balances due against $15.7M.
$12.0M total interest income against $11.2M; $5.5M total interest expense against $5.0M.
$6.5M net interest income against $6.2M.
$412K total noninterest income against $343K; $4.4M total noninterest expense against $3.8M.
$225K provision for credit losses against $500K.
$1.9M net income against $1.9M.
0.83% return on assets against 0.88%; 3.00% net interest margin against 3.04%.
11.87% tier 1 leverage ratio against 12.00%.
Inside the full FNB Oxford Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
FNB Oxford Bank rankings
Its closest position to the top of a national ranking is 1,093 of 4,196, for total assets; its furthest is 2,899 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.68% (Q1 2025) to 1.58% (Q4 2024) and its net interest margin ran from 2.78% (Q3 2024) to 3.10% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.87% | 0.83% | 0.13% | 0.61% | 3.00% |
| Q1 2026 | 11.53% | 0.80% | 0.15% | 0.70% | 2.88% |
| Q4 2025 | 12.15% | 0.91% | 0.16% | 0.71% | 3.10% |
| Q3 2025 | 12.19% | 0.79% | 0.13% | 0.56% | 2.97% |
| Q2 2025 | 12.00% | 0.88% | 0.16% | 0.74% | 3.04% |
| Q1 2025 | 11.84% | 0.68% | 0.34% | 1.52% | 2.91% |
| Q4 2024 | 12.37% | 1.58% | 0.17% | 0.73% | 2.92% |
| Q3 2024 | 12.26% | 0.75% | 0.00% | 0.09% | 2.78% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FNB Oxford Bank (main office) | Oxford , MS | 38655 | $631.2M |
| George G. Pat Patterson Parkway Branch | Oxford , MS | 38655 | $54.9M |
| Fnb Tupelo A Branch of Fnb Oxford Bank | Tupelo , MS | 38804 | $44.5M |
| Fnb Water Valley Branch | Water Valley , MS | 38965 | $35.4M |
| Sisk Avenue Branch | Oxford , MS | 38655 | $18.0M |
| Medical Center Branch | Oxford , MS | 38655 | $2.9M |
| Tupelo West Branch | Tupelo , MS | 38801 | $92K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in MS, rank 19 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about FNB Oxford Bank
What are FNB Oxford Bank's total assets?
As of the Q2 2026 filing, FNB Oxford Bank reported total assets of $939.7 million in its FFIEC call report.
Where is FNB Oxford Bank headquartered?
It is headquartered in Oxford, MS, United States.
When was FNB Oxford Bank founded?
It was established in 1910, per the FDIC institution directory.
Is FNB Oxford Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Oxford Bank?
FNB Oxford Bank's primary federal regulator is the Federal Reserve.
How many branches does FNB Oxford Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB Oxford Bank's Texas Ratio?
Its Texas Ratio is 0.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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