Oxford University Bank

Overview / Commentary

www.oubol.com

662-234-6668

1500 University Avenue
Oxford, MS 38655

Oxford University Bank is headquartered in OXFORD and is the 49^th largest bank in the state of Mississippi. It is also the 2,860^th largest bank in the nation. It was established in 2000 and as of June of 2023, it had grown to 35 employees at 5 locations. Oxford University Bank has a B+ health rating.

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Health

B+

Data as of Q2 2023

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Health Grade Components

Overall
FDIC Certificate #	57034
Year Established	2000
Employees	35
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.51%
Return on Equity - YTD	4.55%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$225.0MM$226.2MM
Loans	Q2 2023vs Q2 2022	$170.7MM$151.6MM
Deposits	Q2 2023vs Q2 2022	$166.3MM$198.7MM
Equity Capital	Q2 2023vs Q2 2022	$24.6MM$24.6MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$2.3MM$1.9MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$98.00K$21.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oxford University Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	$10k	Kasasa Saver

Oxford University Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.25% → $10k+

Oxford University Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.10%	$10k	$500k	13 Month CD Special
4.74%	$10k	$500k	7 Month CD Special
4.32%	$10k	$500k	120 Day CD Special

Locations

Oxford University Bank Locations
Oxford University Bank	1500 University Ave	Oxford, MS 38655
Bank Of Pontotoc	1882 Highway 15	Pontotoc, MS 38863
West Jackson Avenue Branch	1800 West Jackson Avenue	Oxford, MS 38655

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