# OXFORD UNIVERSITY BANK
OXFORD, MS · FDIC certificate 57034 · asset band <$300M · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $231.6M | |
| Deposits | $206.0M | |
| Loans and leases | $172.0M | |
| Total equity | $22.1M | |
| Loans / deposits | 82.41% (p68 of band) | 71.75% |
| Liquid assets / assets | 16.80% (p14 of band) | |
| Uninsured deposits / deposits | 28.98% (p80 of band) | 18.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.58% (p40 of band) | |
| FHLB advances / assets | 0.58% | |
| Tier 1 leverage | 8.62% (p10 of band) | 11.46% |
| Unrealized securities loss / equity | -16.09% (p50 of band) | -15.99% |
| AOCI / equity | -0.93% (p27 of band) | |
| ROA (annualized) | 0.54% (p31 of band) | 0.90% |
| Net interest margin | 3.90% (p65 of band) | 3.52% |
| Efficiency ratio | 47.16% (p8 of band) | |
| Noncurrent loans | 0.55% (p64 of band) | 0.26% |
| Net charge-offs (annualized) | 0.01% (p70 of band) | |
| Reserve coverage of noncurrent | 236.97% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 128.59% (p95 of band) | |
| Auto loans | $4.9M (2.87% of loans; DQ 2.78%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 23.9% | |
| Employees | 35 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 0 |  | losing money |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 1 | capital falling | construction >100% equity |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | construction >100% equity |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 2 | reserve under noncurrent |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 0 |  | construction >100% equity, capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 4 | loans exceed deposits, capital falling, uninsured deposits leaving |  |
| 2023-09 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2023-12 | 1 | loans exceed deposits | deposits shrinking, capital falling |
| 2024-03 | 3 | losing money, NIM <2.5%, construction >100% equity | loans exceed deposits |
| 2024-06 | 1 |  | losing money, NIM <2.5% |

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

- 2023-10-27 [Guaranty Bank to acquire Oxford University Bank - The Oxford Eagle](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNUTdLbDZMNEhfam9kYUJlZk9LMlU3WEFacVhKNmQ3VS1nMnlJT2RyR3B5Z1ZQSU1WcDcyRzgxaUNJVks2blFkckpxR09uNGg3OThNaGxadExKUV84M2tBcDJxYnZqdWxWSXhjcWkyNFhpTnNlT0M2UG5Dd3h6akV0WjZKaHl0REowbTFz?oc=5) · The Oxford Eagle
- 2014-07-10 [Oxford University Bank Has New Location, Same Great Products, Service - HottyToddy.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOUlVxa0lYRVpYSTR4RWcyNzVWa29Sb2E4NWVudjFDQVI5X3p4LWtBUTVrbldRZlNxQkJoY0tWZWhNSnFNLVJvWVJmNzBTbVdIdldlcFh6ZnE3ZExwdXVQOXpRSFd3N2JpaU5XbUQ2RkJjZWxMcHU3Mlpwb1hBMjJ0czkwZ1l0NEJnZUJDODJtV2g2ckM2bHhmcE00TUVXQUN0djJnTlViWE43dw?oc=5) · HottyToddy.com
- 2024-09-20 [Guaranty Bank’s acquisition of OUB to be final Monday - The Oxford Eagle](https://news.google.com/rss/articles/CBMikgFBVV95cUxOb2NyNExUcmtNS0I0dERvVTlYUUpJUVdpYjVaR0k1OFVTTk1RbWxJSDVITkJuSHhlNXBFcTJyYk5aYndZVkxIOFJEOW9yWVdiUndadndBUDR2REFPdEszTXEwNEFpNThSa3BBNl9YZ2JDNTNIRGd0YlExdEl3bkpjV0p2bnZ2dGRuQ0R2Q2JURWNXUQ?oc=5) · The Oxford Eagle
- 2026-07-25 [Obituary information for Dick Hall Marchbanks, Jr. - Waller Funeral Home...](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUDZvQzBENXloOGRlVGUxWlVmVzZaWXdzamNKemdsNkEzY0Fid2dvZ1ViNlA4TjVpYURpbGxwT1o5ZjhEbURLWEdkYVNPUEFHemIyRXNWajVhNXUxMlhMcU1EQ01hMmdCcjhJSThJV1lieVpONjlfR0NGcU5SUTB4WjRfZU1LNWNLcnc?oc=5) · Waller Funeral Home...
- 2020-05-23 [Missing the small joys of Ole Miss Baseball - Red Cup Rebellion](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQeFFHNUZUVEZTaE05REdNZjBFVHVZdEJ4eV9hNDFSNFpRSWM5TjlfOXNpRVh3V21hRXVtWUsyU2kyRTNUNElqRnhCX2VoT0V6VFpyR1V1U3QzWVpBSEZNTWU0NHM0cGg2UVJQNVdHOFhLTlVFWGpDUVRsdVhMUjROUjJqVHUxbWdGaG5lcEk4em42alFOQWFjc1QtVURLb0QtR09QMk9maFFRX3YwN1hDeUN4QmI1RHRsOWp0cFJWbnRfdVJNSzJubWZXY2prRlNLcG1QbGp5cXFGbi16VHFZdFRn?oc=5) · Red Cup Rebellion
- 2022-07-17 [Obituary information for Jeffrey Lynn Butler - Waller Funeral Home...](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVGFaeThlUXhYUS1pTmZCem9rYXl3OU9OUmk1WldqdVV5UHBGRzBzejEwR3o3R3Y0S0hxRDBtOW12YklpYmpVUGl6SnNPMzFGRG1KOEw3b2IyeENLZEltcDdUaG5TWk5qSEhNT0Z4UmdfcW5mei1HX0F4WjNJNDIzaDdZdXU?oc=5) · Waller Funeral Home...
- 2023-11-01 [Guaranty Bank to acquire OUB - The Oxford Eagle](https://news.google.com/rss/articles/CBMickFVX3lxTFB5ZnhqQjBGUWMwMUxZZExKUEFRbzV1dXpYTldXZmJTNUJ6Z3J4SGdyYVJoLVJPR2ZRS3Jpa3NqUE1MU25JdklOTEFkdFdpZ2RXcnB2a2ljdkwtQnpGSFJlVy1XNHh0YW1YRG9VbGNORWtJZw?oc=5) · The Oxford Eagle
- 2017-03-28 [Oxford on the Move: Gant Boone is investing in the community more ways than one - The Oxford Eagle](https://news.google.com/rss/articles/CBMitAFBVV95cUxQbjdpS0ZGa3E3VEpfQmowRk5ZWHZrbUMtRjhjVnNRUENZRUo0dmJZZk1QLWVxYWlXeS1ma1k4ZXNJaWxpV3FmcHBoSDQzaEJOVjc4WjBPT1lYeVNXcGo1ZFdRQWhSbng5NWYwWXRLcl93V011TWxhc3lPS3JyV0xFcm9FUG1uZ1Vjb3lBeHV3aFlNb2lZMFVtQUpEa0JrSGN3cmJKeG5MblFjMmlEdFFxWVpiWFo?oc=5) · The Oxford Eagle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57034 (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/10.json (key "57034", 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