BlastPoint's Banking Scorecard

FNB Oxford Bank

$100M-$1B Specialty: Commercial MS FDIC cert 5005

Designations: ✓ CDFI-certified

Oxford, MS

7 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
Deposits +11.7% year over year ($786.9M on the books).
Delinquency rate 0.13%.
Return on assets 0.83%.
Efficiency ratio 64.95% vs a 64.48% peer average.
Loan-to-deposit ratio 66.96% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS

View $100M-$1B leaderboard (MS) →

FNB Oxford Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 54.4% in tier
- Net Interest Margin 1.00% below tier average
- Non-Interest Income / Assets 0.54% below tier average
- ROA 0.50% below tier average

Get updates when FNB Oxford Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$939.7M +12.7% YoY +0.9% QoQ	+$553.1M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	Top 2.2% in tier
Total Loans ?	$527.0M +14.3% YoY +3.3% QoQ	+$268.6M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	Top 9.4% in tier
Total Deposits ?	$786.9M +11.7% YoY -0.6% QoQ	+$460.2M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	Top 2.8% in tier
Return on Assets ?	0.83% +4.0% YoY +0.6% QoQ	-0.50%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	2.98% -2.3% YoY +1.0% QoQ	-1.00%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	Bottom 9.3% in tier
Efficiency Ratio ?	64.95% +12.1% YoY -3.4% QoQ	+0.47%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	0.13% -20.8% YoY -14.3% QoQ	-0.79%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	66.96% +2.3% YoY +3.9% QoQ	-10.99%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	74%
Non-Interest-Bearing Deposit Share ?	17.60% +12.2% YoY +17.1% QoQ	-4.43%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.07% -19.6% YoY -12.2% QoQ	-0.60%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	11.87% -1.0% YoY +3.0% QoQ	-4.04%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.02% -74.5% YoY +201.0% QoQ	-0.54%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	Bottom 1.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	17.6% +1.9pp YoY +2.6pp QoQ	-4.6pp	22.1%	23.1%	22.2%	34%
Brokered Deposits	11.8% +0.9pp YoY -0.4pp QoQ	+3.9pp	7.9%	3.8%	8.5%	79%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	4.9% -3.7pp YoY -0.6pp QoQ	-6.6pp	11.6%	12.4%	12.5%	20%
CRE	61.8% +1.0pp YoY -1.5pp QoQ	+22.2pp	39.5%	42.3%	41.4%	86%
1-4 Family	31.6% +3.5pp YoY +2.3pp QoQ	-1.0pp	32.6%	33.1%	31.3%	55%
Consumer	0.6% -0.3pp YoY -0.1pp QoQ	-3.5pp	4.1%	5.6%	5.0%	19%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.5%	19.7%	n/a
Leverage Ratio	11.9% -0.1pp YoY +0.3pp QoQ	-0.3pp	12.2%	11.9%	12.6%	63%
Total Capital Ratio	n/a	n/a	19.9%	17.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	119 +18 (+17.8%) YoY +4 (+3.5%) QoQ	+60	58	297	482	92%
Assets per Employee ($)	$7.9M -4.4% YoY -2.5% QoQ	+$379K	$7.5M	$6.2M	$8.8M	66%
Branch Count	7 +1 (+16.7%) YoY +1 (+16.7%) QoQ	+2	4	22	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	4%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.9%	1.0%	22%
Allowance Coverage	8.21x +31.6% YoY +16.7% QoQ	-15.94x	24.15x	4.87x	20.23x	79%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	7.4% +0.2pp YoY 0.0pp QoQ	-4.8pp	12.2%	11.7%	11.6%	22%
Cost of Funds (YTD)	2.6% 0.0pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	91%
Net Income ($, YTD)	$3.8M +15.1% YoY — QoQ	+$1.3M	$2.6M	$13.8M	$40.4M	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Cost Spiral

risk

#76 of 138 • Bottom 54.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 64.95%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Assets

size

Value: $939.72M

Peer Median: $386.57M

#58 of 2643 Top 2.2% in $100M-$1B

Total Deposits

size

Value: $786.95M

Peer Median: $326.73M

#74 of 2643 Top 2.8% in $100M-$1B

250

Total Loans

size

Value: $526.96M

Peer Median: $258.35M

#250 of 2643 Top 9.4% in $100M-$1B

649

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#649 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (3 metrics)

2596

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.57%

#2596 of 2643 Bottom 1.8% in $100M-$1B

2397

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.99%

#2397 of 2643 Bottom 9.3% in $100M-$1B

1996

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.32%

#1996 of 2643 Bottom 24.5% in $100M-$1B