Oxford University Bank

Oxford University Bank is headquartered in Oxford and is the 71^st largest bank in the state of Mississippi. It is also the 5,044^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 29 employees at 5 locations. Oxford University Bank has a 4-star health rating.

Oxford University Bank Routing Number: 084206150

Data for Q1 2012

Institution Statistics Oxford University Bank FDIC Certificate # 57034 BankRate Report View Year Established 2000 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $96.79 million Loans $65.56 million Deposits $84.52 million Equity Capital $8.97 million Loan Loss Allowance $663,000 Unbacked Noncurrent Loans $451,000 Real Estate Owned $453,000 Historic Data - March 2011 Assets $93.47 million Equity Capital $9.07 million Loan Loss Allowance $703,000 Unbacked Noncurrent Loans $119,000 Real Estate Owned $390,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 0.88% Return on Equity 9.48% Interest Income $1.05 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Oxford University Bank had $904,000 in non-current loans and owned real-estate with $9.63 million in equity and loan loss allowances on hand to cover it. This gives Oxford University Bank a Texas Ratio of 9.38% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oxford University Bank held steady from 5.21% as of March 31, 2011 to 9.38% as of March 31, 2012, resulting in a negative change of 80.15%. This indicates that the balance sheet and financial strength for Oxford University Bank has held steady in recent periods. Deposit Growth In the past year, Oxford University Bank has increased its total deposits by $3.92 million, resulting in 4.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Oxford University Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Oxford University Bank has $96.79 million in assets with $9.63 million in equity, resulting in a capitalization level of 9.95%, which is average.

No reviews have been left for this bank yet. Be the first to review.