Fnb Oxford Bank (FDIC #5005): Bank Stress & Real-Estate Credit Exposure

Fnb Oxford Bank (FDIC Cert #5005): bank stress 70/100, elevated, STABLE over 7 days; parent FIRST NATIONAL HOLDING CO.

Fnb Oxford Bank (#5005) lends in 3 counties across 1 state; Fnb Oxford Bank (#5005) reaches 34 ZIP codes: Mississippi 3 counties, 34 ZIPs.

Fnb Oxford Bank (#5005) largest markets: Lee County, MS (30 branches, 15 ZIPs) (#5005), Lafayette County, MS (52 branches, 13 ZIPs) (#5005), Yalobusha County, MS (7 branches, 7 ZIPs) (#5005).

Fnb Oxford Bank (#5005) reports $939.7 million in total assets; Fnb Oxford Bank (#5005) equity $105.4 million (11.2% of Fnb Oxford Bank (#5005) assets); Fnb Oxford Bank (#5005) domestic deposits $786.9 million; Fnb Oxford Bank (#5005) net income $3.8 million; Fnb Oxford Bank (#5005) return on assets 0.83%; Fnb Oxford Bank (#5005) return on equity 7.40%; Fnb Oxford Bank (#5005) net interest income $12.9 million; Fnb Oxford Bank (#5005) call report June 30, 2026.

Fnb Oxford Bank (#5005) noncurrent real-estate loans: none reported; Fnb Oxford Bank (#5005) net charge-offs on real estate 0.14%.

Fnb Oxford Bank (#5005) net interest margin 2.98% against an eight-quarter Fnb Oxford Bank (#5005) average of 2.96% (Fnb Oxford Bank (#5005) compression -0.02 points); Fnb Oxford Bank (#5005) rate-exposure score 40/100, Fnb Oxford Bank (#5005) fixed-rate trap 40/100; Fnb Oxford Bank (#5005) risk type credit driven; Fnb Oxford Bank (#5005) rate regime rates elevated, Fnb Oxford Bank (#5005) snapshot October 19, 2026.

Fnb Oxford Bank (#5005) stress score moved from 68.7 on June 22, 2026 to 69.7 on October 19, 2026; Fnb Oxford Bank (#5005) ranged 68.7 to 69.7 over 116 snapshots.

Fnb Oxford Bank (#5005) alerts: 3 counties; top Fnb Oxford Bank (#5005) alert scores: Oxford County, MS 23 (low); Tupelo County, MS 23 (low); Water Valley County, MS 23 (low).