FNB Oxford Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged down by 2.4%, from $5.6M to $5.5M, the largest move among the key lines here. FNB Oxford Bank ranks 51st of 57 Mississippi banks on net interest margin, in the lower half at 3.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. FNB Oxford Bank sits 0.95 points lower, at 3.00% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.71% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 3.15% |
| Cost of borrowings | 4.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.00% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $5.5M |
| Interest expense on deposits | $5.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.58% | 2.00% | 2.73% |
| Q4 2023 | 4.90% | 2.25% | 2.81% |
| Q1 2024 | 4.98% | 2.60% | 2.57% |
| Q2 2024 | 5.29% | 2.79% | 2.75% |
| Q3 2024 | 5.38% | 2.85% | 2.78% |
| Q4 2024 | 5.48% | 2.84% | 2.92% |
| Q1 2025 | 5.33% | 2.68% | 2.91% |
| Q2 2025 | 5.50% | 2.71% | 3.04% |
| Q3 2025 | 5.67% | 3.02% | 2.97% |
| Q4 2025 | 5.62% | 2.83% | 3.10% |
| Q1 2026 | 5.38% | 2.74% | 2.88% |
| Q2 2026 | 5.49% | 2.71% | 3.00% |
FNB Oxford Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Oxford Bank, freeSource: Call Report Schedules RI and RC-K, 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)