FNB Oxford Bank
Oxford, MS
IDRSSD: 590640
Total Assets
$911.01M
Latest filing
Total Deposits
$772.61M
Latest filing
Net Interest Margin
3.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
084201825OXFORD, MS
Key People
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Locations
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Main Office
FNB Oxford Bank
101 Courthouse Sq
Oxford, MS 38655
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/10/1910FDIC Certificate 3341
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| FNB Oxford Bank (Main) | 101 Courthouse Sq | Oxford, MS |
| SISK AVENUE BRANCH | 700 Sisk Ave | Oxford, MS |
| MEDICAL CENTER BRANCH | 2149 S Lamar Blvd | Oxford, MS |
| GEORGE G. PAT PATTERSON PARKWAY BRANCH | 2770 George G. "pat" Patterson Pkwy | Oxford, MS |
| FNB TUPELO A BRANCH OF FNB OXFORD BANK | 165 S Commerce St | Tupelo, MS |
| FNB WATER VALLEY BRANCH | 400 North Main Street | Water Valley, MS |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 10/10/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38655 |
| State and County Number | 28071 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Oxford, MS |
Operational Info
| Number of Employees | 104 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnboxford.com |
| Data Updated | 01/30/2026 |
| CERT | 5005 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $911.01M |
| Total Deposits | $772.61M |
| Total Liabilities | $808.49M |
| Total Equity Capital | $102.52M |
| Net Income | $2.00M |
| Net Loans and Leases | $479.23M |
| Assets Per Employee ($Millions) | $7.85M |
| Bank Premises and Fixed Assets | $16.15M |
| Cash and Balances due from Depository Institutions | $44.88M |
| Deposits Held in Domestic Offices | $772.61M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 7.94% |
| Net Interest Margin | 3.07% |
| Efficiency Ratio | 59.7% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.253% |
| Earning Assets to total Assets | 94.3% |
Income and Expense
| Total Interest Income | $11.71M |
| Total Noninterest Income | $420.00k |
| Total Interest Expense | $5.29M |
| Total Noninterest Expense | $4.09M |
| Net Interest Income | $6.43M |
| Pre-tax Net Operating Income | $2.53M |
| Provision for Credit Losses | $225.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $30.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.88M |
| Total Liabilities and Capital | $911.01M |
Securities
| Securities | $343.15M |
| Available-for-sale debt securities | $343.15M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of FNB Oxford Bank?
$911.01M as of the latest filing.
How much are FNB Oxford Bank's total deposits?
$772.61M in total deposits.
Where is FNB Oxford Bank located?
Oxford, MS.
What is the Net Interest Margin?
3.07%.
How many domestic offices does it operate?
6.
When was it established?
10/10/1910.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$479.23M (latest filing).
What is the total interest income (latest filing)?
$11.71M.