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BDI
FO

FNB Oxford Bank

Oxford, MississippiFDIC Cert #5005

STATEEstablished 19106 branches

Holding company: FIRST NATIONAL HOLDING CORegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.16%
−35.2%y/y
Peer standing74th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing43rd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
0.15%
−56.8%y/y
Peer standing66th percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
0.15%
−56.3%y/y
Peer standing72nd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.08%
−52.6%y/y
Peer standing76th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$762K
−48.8%y/y
Peer standing67th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.01%
−76.4%y/y
Peer standing40th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
$14K
−70.8%y/y
Peer standing38th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.04%
+2.8%y/y
Percentile by value25th percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$811K
−24.1%y/y
Peer standing67th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$9K
Peer standing42nd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$753K
−49.4%y/y
Peer standing58th percentile
Peer standing in ubpr:primary:5
FDICNAASSET