FNB Oxford Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 91.61 percentage points higher than in Q1 2026, at 708.05%. FNB Oxford Bank ranks 48th of 57 Mississippi banks on return on assets, in the lower half at 0.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. FNB Oxford Bank sits 0.42 points lower, at 0.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.87% |
| Equity capital to assets | 11.22% |
| Tangible equity to tangible assets | 11.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.71% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 708.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 7.45% |
| Net interest margin | 3.00% |
| Efficiency ratio | 62.28% |
| Yield on earning assets | 5.49% |
| Cost of funds | 2.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.67% |
| Core deposits to total deposits | 76.89% |
| Brokered deposits to total deposits | 11.77% |
| Deposits to assets | 83.74% |
| Securities to assets | 33.13% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.50% | 0.76% | 2.73% | 0.05% | 0.02% |
| Q4 2023 | 12.72% | 0.83% | 2.81% | 0.05% | 0.02% |
| Q1 2024 | 11.88% | 0.70% | 2.57% | 0.05% | 0.04% |
| Q2 2024 | 11.86% | 0.89% | 2.75% | 0.04% | 0.05% |
| Q3 2024 | 12.26% | 0.75% | 2.78% | 0.04% | 0.02% |
| Q4 2024 | 12.37% | 1.58% | 2.92% | 0.20% | 0.12% |
| Q1 2025 | 11.84% | 0.68% | 2.91% | 0.37% | 0.05% |
| Q2 2025 | 12.00% | 0.88% | 3.04% | 0.19% | 0.36% |
| Q3 2025 | 12.19% | 0.79% | 2.97% | 0.15% | 0.12% |
| Q4 2025 | 12.15% | 0.91% | 3.10% | 0.18% | -0.02% |
| Q1 2026 | 11.53% | 0.80% | 2.88% | 0.17% | 0.01% |
| Q2 2026 | 11.87% | 0.83% | 3.00% | 0.15% | 0.03% |
FNB Oxford Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Oxford Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)