FNB Oxford Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 9.16 percentage points in Q2 2026, from 87.43% to 96.59%. It was the largest change from Q1 2026 among the key lines here. FNB Oxford Bank ranks 37th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 67.67% (Q2 2026). 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $532.5M |
| Net loans and leases | $527.0M |
| Loans held for sale | $999K |
| Loans to total assets | 56.67% |
| Loan-to-deposit ratio | 67.67% |
| Net loans to equity capital | 5.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.71% |
| Multifamily (5+ residential) | 8.39% |
| Commercial and industrial | 4.87% |
| Consumer | 0.60% |
| Credit cards | 0.00% |
| Farm | 0.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.19% |
| Construction concentration (Tier 1 capital + allowance) | 96.59% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.36% |
| Interest income on loans | $8.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $322.0M | $539.1M | 37.10% | 7.60% | 1.25% |
| Q4 2023 | $329.0M | $555.0M | 36.55% | 6.87% | 1.23% |
| Q1 2024 | $358.1M | $648.0M | 37.94% | 9.18% | 1.13% |
| Q2 2024 | $344.0M | $646.7M | 37.92% | 8.32% | 1.17% |
| Q3 2024 | $368.7M | $664.6M | 35.54% | 6.93% | 1.10% |
| Q4 2024 | $402.7M | $697.0M | 32.82% | 6.62% | 0.98% |
| Q1 2025 | $440.0M | $723.0M | 31.28% | 9.23% | 0.93% |
| Q2 2025 | $465.6M | $704.4M | 33.48% | 8.58% | 0.94% |
| Q3 2025 | $458.4M | $730.9M | 37.00% | 5.74% | 0.91% |
| Q4 2025 | $484.4M | $772.6M | 37.52% | 5.58% | 0.74% |
| Q1 2026 | $515.4M | $791.8M | 34.00% | 5.46% | 0.66% |
| Q2 2026 | $532.5M | $786.9M | 31.71% | 4.87% | 0.60% |
FNB Oxford Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Oxford Bank, freeSource: Call Report Schedule RC-C, 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)