FNB Oxford Bank
Oxford, MS
IDRSSD: 590640
Total Assets
$864.72M
Latest filing
Total Deposits
$730.93M
Latest filing
Net Interest Margin
3.00%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
FNB Oxford Bank
101 Courthouse Sq
Oxford, MS 38655
Full Service - Brick and Mortar
Updated 11/14/2025Established 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 | 101 |
| 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 | 11/14/2025 |
| CERT | 5005 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $864.72M |
| Total Deposits | $730.93M |
| Total Liabilities | $765.63M |
| Total Equity Capital | $99.09M |
| Net Income | $1.68M |
| Net Loans and Leases | $453.51M |
| Assets Per Employee ($Millions) | $8.31M |
| Bank Premises and Fixed Assets | $14.41M |
| Cash and Balances due from Depository Institutions | $30.75M |
| Deposits Held in Domestic Offices | $730.93M |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 6.92% |
| Net Interest Margin | 3% |
| Efficiency Ratio | 59.73% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.46% |
| Earning Assets to total Assets | 94.43% |
Income and Expense
| Total Interest Income | $11.57M |
| Total Noninterest Income | $392.00k |
| Total Interest Expense | $5.55M |
| Total Noninterest Expense | $3.83M |
| Net Interest Income | $6.02M |
| Pre-tax Net Operating Income | $2.18M |
| Provision for Credit Losses | $400.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $4.70M |
| Total Liabilities and Capital | $864.72M |
Securities
| Securities | $340.94M |
| Available-for-sale debt securities | $340.94M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$864.72M as of the latest filing.
How much are FNB Oxford Bank's total deposits?
$730.93M in total deposits.
Where is FNB Oxford Bank located?
Oxford, MS.
What is the Net Interest Margin?
3.00%.
How many domestic offices does it operate?
6.
When was it established?
10/10/1910.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$453.51M (latest filing).
What is the total interest income (latest filing)?
$11.57M.