FNB Oxford Bank: how it compares with its peers
Against 17 MS banks with half to twice its assets, FNB Oxford Bank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $5.1M peer median). Its weakest relative measure is net interest margin (2.98% vs. 4.04%).
| Measure | FNB Oxford Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.24% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.98% | 4.04% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.95% | 63.80% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $5.1M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.96% | 76.15% | Context |
What it means for lending operations
Its efficiency ratio of 64.95% is above the 63.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank Waynesboro, MS · $952M
- First Security Bank Batesville, MS · $977M
- Story Bank DBA Story Financial Partners Jackson, MS · $1.01B
- BNA Bank New Albany, MS · $856M
- The Peoples Bank, Biloxi, Mississippi Biloxi, MS · $771M
- Bank of Commerce Greenwood, MS · $1.13B
Questions about FNB Oxford Bank
How big is FNB Oxford Bank?
FNB Oxford Bank, established in 1910, is headquartered in Oxford, MS. It reported $940M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is FNB Oxford Bank's return on assets?
0.83% annualized in Q2 2026, against a 1.24% median for 17 MS banks with half to twice its assets, ahead of 24% of them.
What is FNB Oxford Bank's efficiency ratio?
64.95% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 63.80%, and lower is better.
Is FNB Oxford Bank growing its loans?
Net loans grew 14.3% over the year to Q2 2026, while deposits grew 11.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.