Fnb Oxford Bank: Bank Stress & Real-Estate Credit Exposure

At 70/100, Fnb Oxford Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #5005. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Fnb Oxford Bank is held under First National Holding Co, its financials are open to scrutiny and its trend can be independently checked. Because Fnb Oxford Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 70/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 34 ZIP codes Fnb Oxford Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. At the county level, Fnb Oxford Bank finances markets like Lee County, MS, Lafayette County, MS, Yalobusha County, MS — the specific places where its credit posture translates into local lending capacity. Its footprint is compact and single-state: 34 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Mississippi (3 counties). Fnb Oxford Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. A elevated score on a footprint this size means the markets Fnb Oxford Bank touches inherit a corresponding share of that lending pressure.

For buyers, lender stress is an early map of supply: when Fnb Oxford Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.