Advertisement
Fnb Oxford Bank
Oxford, MS · FDIC Certificate #5005 · Chartered 10/1
Total assets
$939.72M
Total deposits
$786.95M
Total equity
$105.41M
Net loans
$526.96M
Branches (offices)
7
Net income (YTD)
$3.83M
Rank: #1,101 of 4,213 U.S. banks by assets · #17 of 57 in Mississippi. Assets changed 12.7% and deposits 11.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 7.40% |
| Net interest margin (YTD) | 2.98% |
| Equity to assets | 11.22% |
| Tier 1 leverage ratio | 11.87% |
| Uninsured deposits (share of deposits) | 43.4% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 67.0% |
| Real estate loans (share of loans) | 93.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $494.51M | 93.8% | |
| Commercial & industrial | $25.96M | 4.9% | |
| Consumer / individual | $3.21M | 0.6% | |
| Construction & development | $112.00M | 21.3% | |
| Agricultural | $10.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $544.41M | $466.95M | $2.12M | $58.48M |
| Jun 2023 | $622.10M | $515.88M | $2.67M | $60.19M |
| Jun 2024 | $770.78M | $646.72M | $3.15M | $84.01M |
| Jun 2025 | $834.16M | $704.37M | $3.33M | $95.56M |
| Jun 2026 | $939.72M | $786.95M | $3.83M | $105.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $786.95M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $786.95M.
Similar-sized banks
Atlantic Community Bankers Bank ($942.04M) · Bank Of Botetourt ($939.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement