BlastPoint's Banking Scorecard
FNB Oxford Bank
Designations: ✓ CDFI-certified
Oxford, MS
7 branches across MS
FNB Oxford Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 88.9% in tier
- - Non-Interest Income / Assets 0.30% below tier average
- - ROA 0.45% below tier average
- - Net Interest Margin 0.98% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$931.2M
+8.0% YoY
+2.2% QoQ
|
+$545.1M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
Top 2.7% in tier |
| Total Loans ? |
$510.1M
+17.1% YoY
+6.4% QoQ
|
+$254.3M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
Top 9.9% in tier |
| Total Deposits ? |
$791.8M
+9.5% YoY
+2.5% QoQ
|
+$463.8M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
Top 2.7% in tier |
| Return on Assets ? |
0.82%
+19.3% YoY
+0.5% QoQ
|
-0.45% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
2.95%
-1.1% YoY
-2.5% QoQ
|
-0.98% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio ? |
67.21%
+17.6% YoY
+14.2% QoQ
|
+1.92% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.15%
-56.3% YoY
-5.9% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
64.42%
+6.9% YoY
+3.9% QoQ
|
-12.22% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
15.03%
+3.6% YoY
-0.7% QoQ
|
-6.99% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.08%
-52.6% YoY
-2.0% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
11.53%
-2.6% YoY
-5.1% QoQ
|
-4.30% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
-0.02%
-149.5% YoY
-113.0% QoQ
|
-0.30% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.