| Metric | FNB Oxford Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +4.9% | +7.7 pts |
| Deposit growth (YoY) | +11.7% | +4.3% | +7.4 pts |
| Loan growth (YoY) | +14.3% | +5.3% | +9.0 pts |
| ROA | 0.83% | 1.28% | -0.5 pts |
| ROE | 7.4% | 12.5% | -5.1 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $939.7M | $786.9M | $527.0M | $105.4M | $3.8M | 0.83% | 2.98% | 0.07% |
| Q1 2026 | $931.2M | $791.8M | $510.1M | $103.0M | $1.9M | 0.82% | 2.95% | 0.08% |
| Q4 2025 | $911.0M | $772.6M | $479.2M | $102.5M | $7.0M | 0.82% | 3.03% | 0.08% |
| Q3 2025 | $864.7M | $730.9M | $453.5M | $99.1M | $5.0M | 0.79% | 3.03% | 0.07% |
| Q2 2025 | $834.2M | $704.4M | $460.9M | $95.6M | $3.3M | 0.79% | 3.05% | 0.09% |
| Q1 2025 | $862.3M | $723.0M | $435.5M | $93.5M | $1.4M | 0.69% | 2.98% | 0.17% |
| Q4 2024 | $817.4M | $697.0M | $398.8M | $89.8M | $7.8M | 1.01% | 2.86% | 0.08% |
| Q3 2024 | $797.2M | $664.6M | $365.1M | $90.0M | $4.6M | 0.81% | 2.83% | 0.01% |
Loan mix (Q2 2026): real estate $494.5M · commercial $26.0M · consumer $3.2M · securities $311.3M
| Ratio | FNB Oxford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.5% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 61.1% | 61st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | FNB Oxford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | FNB Oxford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | FNB Oxford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | FNB Oxford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | FNB Oxford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 3 counties across 1 state (+1 vs 2025) · $786.9M branch deposits. Biggest market: Lafayette, MS, ranked 1st with 31.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lafayette, MS | 4 | $707.0M | 31.70% | 1st |
| Lee, MS | 2 | $44.6M | 0.93% | 8th |
| Yalobusha, MS | 1 | $35.4M | 12.08% | 3rd |
Mississippi: 21st with 0.86% ·
Branch count: 2022 5 · 2023 5 · 2024 6 · 2025 6 · 2026 7
Technology spend in line with peers (12 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).