FNB Oxford Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 73.3% higher than in Q1 2026, at $51.7M. Within Mississippi, FNB Oxford Bank is 37th of 57 on loan-to-deposit ratio, 67.67% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. FNB Oxford Bank sits 13.17 points lower, at 67.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $363.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.67% |
| Net loans and leases to deposits | 66.96% |
| Loans and leases to core deposits | 76.32% |
| Core deposits to total deposits | 76.89% |
| Brokered deposits to total deposits | 11.77% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 59.72% | 87.02% | $0 | $50.0M |
| Q4 2023 | 59.28% | 85.40% | $0 | $48.5M |
| Q1 2024 | 55.26% | 87.37% | $0 | $45.0M |
| Q2 2024 | 53.20% | 84.37% | $0 | $35.0M |
| Q3 2024 | 55.48% | 82.46% | $0 | $37.0M |
| Q4 2024 | 57.78% | 80.99% | $0 | $27.0M |
| Q1 2025 | 60.86% | 81.41% | $0 | $42.0M |
| Q2 2025 | 66.10% | 81.74% | $0 | $30.0M |
| Q3 2025 | 62.72% | 78.11% | $0 | $30.0M |
| Q4 2025 | 62.69% | 75.46% | $0 | $30.0M |
| Q1 2026 | 65.10% | 76.81% | $0 | $30.0M |
| Q2 2026 | 67.67% | 76.89% | $0 | $40.0M |
FNB Oxford Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Oxford Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FNB Oxford Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5005) · FFIEC NIC profile (RSSD 590640)