| Metric | Oxford Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.9% | +3.4 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +13.6% | +5.3% | +8.3 pts |
| ROA | 0.92% | 1.28% | -0.4 pts |
| ROE | 7.9% | 12.4% | -4.5 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $930.5M | $782.6M | $713.2M | $114.7M | $4.5M | 0.92% | 5.15% | 2.54% |
| Q1 2026 | $902.1M | $752.8M | $692.4M | $112.7M | $1.6M | 0.66% | 4.93% | 2.26% |
| Q4 2025 | $1.09B | $965.1M | $653.2M | $111.8M | $11.4M | 1.26% | 5.32% | 1.93% |
| Q3 2025 | $915.3M | $794.5M | $655.3M | $109.8M | $8.9M | 1.40% | 5.46% | 2.52% |
| Q2 2025 | $859.5M | $733.8M | $627.6M | $106.7M | $5.9M | 1.43% | 5.45% | 2.08% |
| Q1 2025 | $823.9M | $709.9M | $615.2M | $103.2M | $3.0M | 1.46% | 5.37% | 1.68% |
| Q4 2024 | $811.4M | $699.1M | $604.8M | $99.8M | $10.6M | 1.26% | 5.43% | 1.21% |
| Q3 2024 | $870.5M | $759.6M | $590.0M | $99.1M | $8.7M | 1.38% | 5.35% | 1.06% |
Loan mix (Q2 2026): real estate $434.8M · commercial $258.0M · consumer $27.2M · securities $121.1M
| Ratio | Oxford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.28% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 12.4% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 61.2% | 78th |
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 | 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 | 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 | 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 | Oxford Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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