B
FNB Oxford Bank
OxfordMS
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings FNB Oxford Bank
Oxford, MS
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Rating B
Asset Quality Index 9.20
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 4.00
Stability Index 7.30
Company Info FNB Oxford Bank
Oxford, MS
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FDIC Number 5005
Phone Number (662) 234-2821
Website www.fnboxford.com
Asset Quality FNB Oxford Bank
Oxford, MS
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1-Year Asset Growth 8.47%
5-Year Asset Growth 24.51%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.53%
Non-Performing Loans to Loans 0.15%
Balance Sheet FNB Oxford Bank
Oxford, MS
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Total Assets 864.72M
Total Deposits 730.93M
Capital and Reserves FNB Oxford Bank
Oxford, MS
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Capital 99.09M
Leverage Ratio 12.19
Loan Loss Reserves to Loans 1.07%
Risk-Based Capital Ratio --
Liquidity FNB Oxford Bank
Oxford, MS
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Hot Money Ratio 16.88%
Liquidity Ratio 22.29%
Profitability FNB Oxford Bank
Oxford, MS
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5-Year Return on Average Assets 1.00%
Net Income 5.01M
Net Interest Spread 2.97%
Operating Profit to Average Assets 1.00%
Overhead Efficiency Ratio 58.55%
Return on Assets 0.78%
Return on Equity 7.07%