BlastPoint's Banking Scorecard
FNB Oxford Bank
Community
Specialty: Commercial
MS
FDIC cert 5005
Oxford, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
FNB Oxford Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 16% in Community
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 24% in Community
- - Cost Spiral: Bottom 62% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$911.0M
+11.5% YoY
+5.4% QoQ
|
-$480.4M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$479.2M
+20.2% YoY
+5.7% QoQ
|
-$496.2M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$772.6M
+10.8% YoY
+5.7% QoQ
|
-$392.0M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.82%
-19.3% YoY
+3.3% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.03%
+5.8% YoY
+0.1% QoQ
|
-0.64% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
58.85%
+13.6% YoY
+0.5% QoQ
|
-3.78% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.16%
-7.1% YoY
+24.6% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
62.03%
+8.4% YoY
-0.0% QoQ
|
-21.04% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.14%
-4.6% YoY
-0.0% QoQ
|
-5.91% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.08%
+0.1% YoY
+25.0% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.17%
-76.6% YoY
+30.6% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#60 of 371 · Top 16% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (3)
Margin Compression
decline
#30 of 120 · Bottom 24% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.82%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Cost Spiral
risk
#25 of 40 · Bottom 62% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
58.85%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Non-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Loan-to-Deposit Ratio
Current: 62.03% · Tier avg: 83.06%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
61
61th pctile
Efficiency Ratio
Current: 58.85% · Tier avg: 62.63%
44
44th pctile
Total Deposits
Current: $772.6M · Tier avg: $1.2B
44
44th pctile
Total Assets
Current: $911.0M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Loans
Current: $479.2M · Tier avg: $975.5M
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.14% · Tier avg: 21.05%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
18
18th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
18
18th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.66%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.14% · Tier avg: 21.05%
27
27th pctile
Total Loans
Current: $479.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Total Assets
Current: $911.0M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $772.6M · Tier avg: $1.2B
61
61th pctile
Efficiency Ratio
Current: 58.85% · Tier avg: 62.63%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
90
90th pctile
Loan-to-Deposit Ratio
Current: 62.03% · Tier avg: 83.06%