# FNB OXFORD BANK
OXFORD, MS · FDIC certificate 5005 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $939.7M | |
| Deposits | $786.9M | |
| Loans and leases | $532.5M | |
| Total equity | $105.4M | |
| Loans / deposits | 66.96% (p21 of band) | 82.04% |
| Liquid assets / assets | 38.64% (p80 of band) | |
| Uninsured deposits / deposits | 43.36% (p91 of band) | 25.97% |
| Brokered deposits | 9.86% | |
| Wholesale funding | 14.11% (p86 of band) | |
| FHLB advances / assets | 4.26% | |
| Tier 1 leverage | 11.87% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -6.82% (p55 of band) | -8.10% |
| AOCI / equity | -0.89% (p26 of band) | |
| ROA (annualized) | 0.83% (p23 of band) | 1.28% |
| Net interest margin | 2.98% (p9 of band) | 3.91% |
| Efficiency ratio | 64.95% (p61 of band) | |
| Noncurrent loans | 0.13% (p26 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 821.33% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 106.26% (p89 of band) | |
| Auto loans | $1.0M (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 119 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | construction >100% equity |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 1 | brokered >10% |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 | construction >100% equity | brokered >10%, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-19 [FNB Oxford Bank to host grand reopening ceremony for main branch lobby - The Oxford Eagle](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQenY5ZkJIVnJUdFJRakZndVpNV2ZXLTRIUndld0RmbGFhdHhZUlhqZ3FydVpJQmJoWS1GLWFaSkp3QVRNVDM5VXo0MmwzdVhkdkV0RlhOREk0aW9LVEVCU1VaS0xIU2dFTlBKRWVNU1Q1MFhsbzR0dFJ3YXl6S3JJbjFwa1g5X1lLeHEtdVlvM3lZTWxRb0xnOVpvSlQ3X1ZvaTREVnptQUF5Zw?oc=5) · The Oxford Eagle
- 2025-08-29 [Reuben named branch manager at Sisk FNB Oxford Bank - The Oxford Eagle](https://news.google.com/rss/articles/CBMikAFBVV95cUxPQ3FZVTB2VTFudmU4UjVYZGlQNWhsTWlQcDRwcUdhcmhCNnNrZmJWVXhEZ3dIdkVLZFZ2YlJkOGZNY0w3Z2pIMzY1MTFkWVBmRXZsRlFab1E1SlJaOXU0YmdPQlZvTGVHTlVuWEVRMHRVT0Z6X0VCdVJkVzJEWmh6dTAxTURIdGI4aWtoY05UaFY?oc=5) · The Oxford Eagle
- 2025-03-07 [FNB Oxford Bank announces new branch leaders, lending personnel - The Oxford Eagle](https://news.google.com/rss/articles/CBMinwFBVV95cUxNLVg2T2luMTZkNU5JNXRxWmZFNFFXZlhEV3VfX3VVN21SRVFnNFlLd19FV2Zsb0hMWnppQVNyRVdrSU5BQ3lLelRQZUt4NzRfZERxdEJFdWRaVzY3SkpxSmtUQkVlREQydXdjOVp4YWZxWUh4VVJpOXg4ZHJPSnF0d2NISkRFRk9KX2JCaXRJejY5VE44cDNxbXk3aFV0SFE?oc=5) · The Oxford Eagle
- 2024-02-23 [FNB Oxford Bank announces key employee appointments - The Oxford Eagle](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMkM0bGhNWkwwSm1DZ2RmeENnbThVLW9xNVBvOExpYXJDc05Ia1ZCRTN0dXBXY29VN3hHMGFENXluQlRhVGozZzlMdDdsZGNqRG1Lb3RuYkFwQ0tqSFlzV2RJcElVWHJTb2NfMFJTY1FBT3ZzV3Z4RGdIeEdaSm00ZTZOdTZ5R0d3RktaNTRVVWI?oc=5) · The Oxford Eagle
- 2016-02-22 [Chamber Celebrates 28 Years of Leadership, Announces 2016 Class - HottyToddy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOeW92dEppZVA4SF94OTZOVHZQNDJhOUtZbXVrOWltd0FLRW5Na1l0WGhoa1hycFpDRnBTRzU0M21ZcnJjdktSaXlSbVE5VFJWSEY1b1F4Q1QyYnJBeDh5ajBzbTFWY09qTWdJQ1V3SFduZEt2dmVkNmt1TWZxQVMyRkxSdi04dFVDMjdfdzdVdVFJV2lXRl94T1AyVTRiSUVQMTJn?oc=5) · HottyToddy.com
- 2026-07-24 [FNB names retail manager, small business lender - The Oxford Eagle](https://news.google.com/rss/articles/CBMiigFBVV95cUxOckVXaTN0TnotdGhHdXpkQThpbHR1UTRJV01YNzVoaXVENU9BVkgxaWs1WEZsY1E5WU5rY3U4VE56bXNQNlhZY3NzT3pYXzFyVjEwYWsteTFDTHhsRU1QX3VDakJMYmhSYjZ2WDNwODdGRVpUMkh2TkV2NXhvZm1qejFvVlZDaTk3NUE?oc=5) · The Oxford Eagle
- 2023-04-19 [FNB Oxford names Harper to General Counsel post - The Oxford Eagle](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQS0FpR1RPNmNHbm94MS1UYXdZNVNmX0RuSVltT2RVQWRPaG1zT3c1MkJRNTF3a3dDNVBSRVpCU2xiekZyLXFndnQtcHJYalVQUEFnUm9vYU0wTllUZ2hjMU5MQmc3Q2JGNHpSOGVsVG1xcGVua0R0bHQxX1BpRFhKeWRmeUxKSVA2Rmtn?oc=5) · The Oxford Eagle
- 2020-08-20 [FNB Oxford hires new Senior Vice President and Chief Credit Officer - The Oxford Eagle](https://news.google.com/rss/articles/CBMipgFBVV95cUxQd3pMSk52U21PTHNhZkNlay1nMVdOdnJCc3A5SnlYQjdObmxtMWR4Y3RFdzhHVEhySmV3eEVQT2hyYVcwQlFQazZfUjJGS1NwY0tibVI0QWNDOERzRFd3ekZnOG9rS2x6TlRUdU1mTzA0dU9mV0JYQ2w4V1NJbHRRamZfWURQcXpXbHpIb1dpQWpraHZGdFc2WHVIalA2SnM1bG1lN2NR?oc=5) · The Oxford Eagle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5005 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "5005", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide