FNB Oxford Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNB Oxford Bank of Oxford, MS against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.83% | 1.34% | -0.51% | 25th below |
| ROAE | 7.45% | 13.32% | -5.87% | 23rd bottom |
| Net Interest Margin | 3.00% | 3.93% | -0.93% | 10th bottom |
| Efficiency Ratio | 62.28% | 61.14% | +1.14% | 47th below |
| PPNR / Avg Assets | 1.11% | 1.68% | -0.57% | 25th below |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 2.71% | 1.88% | +0.83% | 10th bottom |
| Net Interest Spread | 2.34% | 3.32% | -0.98% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 29th below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 31st below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 708.05% | 1539.50% | -831.45% | 77th top |
| Texas Ratio | 0.71% | 7.34% | -6.63% | 77th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 775.86% | 1396.35% | -620.49% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.87% | 12.14% | -0.27% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.22% | 11.37% | -0.15% | 63rd above |
| TCE / Tangible Assets | 11.22% | 11.09% | +0.13% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.67% | 80.65% | -12.98% | 74th above |
| Core Deposit Ratio | 76.89% | 86.87% | -9.98% | 11th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.26% | 5.03% | -0.77% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.65% | 6.85% | +5.80% | 88th top |
| Loan Growth (Y/Y) | 14.38% | 7.90% | +6.48% | 85th top |
| Deposit Growth (Y/Y) | 11.72% | 6.28% | +5.44% | 87th top |
See FNB Oxford Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNB Oxford Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full FNB Oxford Bank profile, how to read a UBPR, or how this data updates.