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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Mississippi, the state note

FNB Oxford Bank

Oxford, Mississippi · $940M in assets · beside the 11 other Mississippi banks between $300M and $1B

The filing

0.13%
NPA / loans
1st of 12
50.5%
CRE / loans
12th of 12
8.2x
Coverage of noncurrent
1st of 12

FNB Oxford Bank is the third largest of the 12 Mississippi banks nearest its size between $300M and $1B, with $940M in assets at 30 June 2026. Loans are 67.7% of deposits, 4th of 12 against a median of 75.1%, and equity is 11.2% of assets, 6th of 12. Loans grew +14.4% in the year, 4th of 12, and deposits grew 11.7%; the cohort's median loan growth is +10.3%.

Noncurrent loans are 0.13% of the book, the lowest in the cohort against a median of 0.57%; 0.03% is 30 to 89 days past due, and the allowance covers them 8.2 times. Commercial real estate is 50.5% of loans, the highest in the cohort against a median of 31.3%, and 244% of capital, below the 300% screen, with construction at 101% against the 100% screen. CRE has grown +83.1% over 36 months, past the guidance's 50% prong.

Return on assets is 0.82%, 9th of 12 against a median of 1.18%, on an efficiency ratio of 65.0%, 7th of 12. Five years ago it was 1.10%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 10.6% of loans).

Commercial real estate, share of loansMS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 31.3% PB Peoples Bank 5.4% Bo Bank of Holly Springs 16.9% UM United Mississippi Bank 26.4% CB Century Bank 27.7% FS First Security Bank 30.2% FM Farmers & Merchants Bank 30.5% BB Bna Bank 32.1% FS First State Bank 33.4% FB First Bank 35.0% FC First Choice Bank 36.5% PB Peoples Bank Biloxi Mississippi 47.8% FO FNB Oxford Bank 50.5%
Loans, year over yearMS banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +10.3% FS First State Bank +20.0% FC First Choice Bank +19.0% BB Bna Bank +14.6% FO FNB Oxford Bank +14.4% PB Peoples Bank Biloxi Mississippi +11.6% PB Peoples Bank +10.8% FS First Security Bank +9.8% FB First Bank +8.2% FM Farmers & Merchants Bank +8.1% CB Century Bank +7.8% UM United Mississippi Bank +7.7% Bo Bank of Holly Springs -0.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 9 CBLR filers, FNB Oxford Bank among them; owner-occupied excluded; bold marks a screen met
FNB Oxford BankRankCohort median
Total CRE against capital, the 300% screen244%11th of 12178%
Construction against capital, the 100% screen101%11th of 1262%
Construction and land development, share of loans21.0%12th of 1211.8%
Non-owner-occupied nonfarm nonresidential, share of loans21.1%10th of 1217.7%
Total CRE, the guidance definition, share of loans50.5%12th of 1231.3%
CRE growth over 36 months, the third prong+83.1%12th of 12+20.7%
Commercial real estate against capital, the 300% screenMS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 178% PB Peoples Bank 20% Bo Bank of Holly Springs 95% PB Peoples Bank Biloxi Mississippi 112% FM Farmers & Merchants Bank 132% BB Bna Bank 162% FS First State Bank 178% UM United Mississippi Bank 178% FB First Bank 184% CB Century Bank 188% FS First Security Bank 189% FO FNB Oxford Bank 244% FC First Choice Bank 281%
CRE growth over 36 months, the guidance's third prongMS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +20.7% Bo Bank of Holly Springs -8.2% FS First Security Bank +0.8% FM Farmers & Merchants Bank +3.6% BB Bna Bank +12.3% FS First State Bank +16.2% FB First Bank +16.3% CB Century Bank +25.1% PB Peoples Bank Biloxi Mississippi +39.2% PB Peoples Bank +51.8% FC First Choice Bank +76.2% UM United Mississippi Bank +81.7% FO FNB Oxford Bank +83.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Security Bank$977M1.3%63.7%0.55%0.05%1.3%72.3%8.6%
First State Bank$952M0.3%82.9%1.18%0.10%0.9%64.3%9.6%
FNB Oxford Bank$940M0.8%65.0%0.13%0.02%1.0%67.7%11.2%
Bna Bank$856M1.6%45.3%0.72%1.50%0.8%76.8%11.0%
Peoples Bank Biloxi Mississippi$771M0.6%78.7%0.18%-0.12%1.1%45.4%13.1%
Bank of Holly Springs$588M1.3%62.8%4.61%2.15%1.6%87.7%13.7%
Peoples Bank$582M1.0%57.7%0.34%-0.03%1.4%45.9%9.0%
Century Bank$566M1.2%66.8%0.60%0.09%1.3%77.5%9.1%
Farmers & Merchants Bank$566M1.7%58.3%1.69%0.17%2.2%73.4%13.5%
First Bank$563M1.5%63.8%1.11%0.00%1.3%79.8%13.1%
First Choice Bank$561M0.4%87.2%0.31%0.09%1.0%79.7%8.2%
United Mississippi Bank$561M1.1%76.4%0.19%0.05%0.8%86.4%11.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
FNB Oxford BankCohort median
20212026Change20212026Change
Loans$234M$533M+127%$261M$410M+57%
Deposits$383M$787M+105%$425M$516M+21%
NPA / loans0.02%0.13%+0.11 pts0.97%0.57%-0.40 pts
Efficiency54.8%65.0%+10.1 pts64.2%64.4%+0.2 pts
ROA1.10%0.82%-0.27 pts1.07%1.18%+0.11 pts

This read was prepared for FNB Oxford Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on FNB Oxford Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MS banks $300M to $1B
Institution www.fnboxford.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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