Oxford University Bank

Overview / Commentary
1500 University Avenue
Oxford, MS 38655

Oxford University Bank is headquartered in OXFORD and is the 47th largest bank in the state of Mississippi. It is also the 2,775th largest bank in the nation. It was established in 2000 and as of March of 2024, it had grown to 35 employees at 5 locations. Oxford University Bank has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Oxford University Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #57034
Year Established2000
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.53%
Return on Equity - YTD-14.64%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$242.9MM$226.2MM
LoansQ1 2024vs Q1 2023$167.9MM$167.8MM
DepositsQ1 2024vs Q1 2023$194.5MM$171.2MM
Equity CapitalQ1 2024vs Q1 2023$23.2MM$24.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.3MM$2.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$471K$260K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Oxford University Bank Savings Account Rates

0.50%$0$10kKasasa Saver

Oxford University Bank Checking Account Rates

2.00%*$0$10kKasasa Cash
OTHER TIERS: 0.25% $10k+

Oxford University Bank CD Rates

5.10%$10k$500k13 Month CD Special
4.74%$10k$500k7 Month CD Special
4.32%$10k$500k120 Day CD Special

Oxford University Bank Locations
Oxford University Bank1500 University AveOxford, MS 38655
Bank Of Pontotoc1882 Highway 15Pontotoc, MS 38863
West Jackson Avenue Branch1800 West Jackson AvenueOxford, MS 38655

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