Headquartered in Oxford, Mississippi, FNB Oxford Bank is a state-chartered bank (fed member) with $939.7M in total assets and $786.9M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1910.
Based on its Q2 2026 filing, FNB Oxford Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 16th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is earnings (53/100; 0.83%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 79 |
| Q1 2025 | 72 |
| Q2 2025 | 75 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 73 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.86% |
| Q3 2024 | 12.26% |
| Q4 2024 | 12.37% |
| Q1 2025 | 11.84% |
| Q2 2025 | 12.00% |
| Q3 2025 | 12.19% |
| Q4 2025 | 12.15% |
| Q1 2026 | 11.53% |
| Q2 2026 | 11.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 0.81% |
| Q4 2024 | 1.01% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $939.7M | 11.87% | 0.13% | 0.83% | 67.0% |
| Q1 2026 | 73 | $931.2M | 11.53% | 0.15% | 0.82% | 64.4% |
| Q4 2025 | 76 | $911.0M | 12.15% | 0.16% | 0.82% | 62.0% |
| Q3 2025 | 76 | $864.7M | 12.19% | 0.13% | 0.79% | 62.0% |
| Q2 2025 | 75 | $834.2M | 12.00% | 0.16% | 0.79% | 65.4% |
| Q1 2025 | 72 | $862.3M | 11.84% | 0.34% | 0.69% | 60.2% |
| Q4 2024 | 79 | $817.4M | 12.37% | 0.17% | 1.01% | 57.2% |
| Q3 2024 | 78 | $797.2M | 12.26% | 0.00% | 0.81% | 54.9% |
| Q2 2024 | 77 | $770.8M | 11.86% | 0.00% | 0.85% | 52.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Waynesboro, MS | 57 out of 100, Moderate | $951.5M | 10.7% | 1.18% | vs |
| First Security BankBank Batesville, MS | 66 out of 100, Moderate | $976.5M | 9.3% | 0.55% | vs |
| BNA BankBank New Albany, MS | 77 out of 100, Strong | $855.7M | 12.5% | 0.72% | vs |
| The Peoples Bank, Biloxi, MississippiBank Biloxi, MS | 82 out of 100, Strong | $770.7M | 15.2% | 0.18% | vs |
| Bank of Holly SpringsBank Holly Springs, MS | 52 out of 100, Below average | $587.5M | 13.1% | 4.61% | vs |
| The Peoples BankBank Ripley, MS | 72 out of 100, Strong | $581.8M | 10.2% | 0.34% | vs |
Deposit insurance
Is my money safe at FNB Oxford Bank?
Yes. FNB Oxford Bank is an FDIC-insured institution (FDIC certificate #5005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.4% of deposits ($341.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.87%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
FNB Oxford Bank lists 7 offices in 3 cities. Most locations:
- Oxford, MS (4)
- Tupelo, MS (2)
- Water Valley, MS (1)
Identity & history
Profile
- Legal name
- FNB Oxford Bank
- Former names
- The First National Bank of Oxford
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 5005
- RSSD ID
- 590640
- Primary regulator
- FED
- Holding company
- First National Holding Co
- Established
- October 10, 1910
- Headquarters
- 101 Courthouse Sq, Oxford, MS 38655
- Website
- www.fnboxford.com
- Employees
- 119
Quick answers
FNB Oxford Bank: common questions
Is FNB Oxford Bank FDIC insured?
Yes. FNB Oxford Bank is an FDIC-insured institution (FDIC certificate #5005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FNB Oxford Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has FNB Oxford Bank ever failed?
There is no failure record for FDIC certificate #5005 in the FDIC failed bank list.
How many branches does FNB Oxford Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oxford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mutual Federal Credit UnionCredit union Vicksburg, MS | 84 out of 100, Strong | $528.5M | 14.0% | 1.08% | vs |
| RiverHills BankBank Vicksburg, MS | 82 out of 100, Strong | $445.2M | 12.5% | 0.64% | vs |
| BNA BankBank New Albany, MS | 77 out of 100, Strong | $855.7M | 12.5% | 0.72% | vs |
| First National Bank of ClarksdaleBank Clarksdale, MS | 73 out of 100, Strong | $386.1M | 12.8% | 0.64% | vs |
| Bank of CommerceBank Greenwood, MS | 72 out of 100, Strong | $1.1B | 12.9% | 0.88% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |