Oxford University Bank

Headquarters

1500 University Avenue
Oxford, MS 38655
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.40% →
1-Year CD 0.65% 1.15% →
2-Year CD 0.65% 1.26% →
5-Year CD 0.70% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Oxford University Bank is an FDIC insured institution located in Oxford, MS. It was founded in 2000 and has approximately $0.17 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 57034
Date Established 2000
Assets $ 168.63 million
Loans $ 125.83 million
Deposits $ 150.24 million
Capital $ 17.24 million
 

For a more detailed analysis of Oxford University Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 4, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $100 - Learn More
Money Market
0.65% $1,000 $249,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.30% $500 - Learn More
6 Mo CD
0.30% $500 - Learn More
12 Mo CD
0.65% $500 - Learn More
24 Mo CD
0.65% $500 - Learn More
36 Mo CD
0.70% $500 - Learn More
48 Mo CD
0.70% $500 - Learn More
60 Mo CD
0.70% $500 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.65% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,500 $24,999 Learn MoreShow Less

Loan Rates - July 4, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Oxford University Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to Oxford University Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Oxford University Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Oxford University Bank Locations


Financial Details

Oxford University Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Oxford University Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Oxford University Bank U.S. Bank Average
8.28% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Oxford University Bank had $687,000 in non-current loans and $867,000 in owned real estate. To cover these potential losses it had $17,243,000 in equity and $1,518,000 in loans loss reserves. That gives it a Texas Ratio of 8.28%.

Return on Equity
Oxford University Bank U.S. Bank Average
8.9% 9.41%

Oxford University Bank has a Return on Equity of 8.9% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Oxford University Bank U.S. Bank Average
10.23% 12.82%

Oxford University Bank has a Capitalization of 10.23% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Oxford University Bank Balance Sheet Analysis

As of December 31, 2019, Oxford University Bank had assets of $168,631,000, loans of $125,825,000, and deposits of $150,243,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 7.99 million
Interest-bearing balances $ 5.17 million
Total securities $ 25.15 million
Federal funds sold and reverse repurchase $ 0.05 million
Net loans and leases $ 125.83 million
Loan loss allowance $ 1.52 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.87 million
Goodwill and other intangibles N.A.
All other assets $ 4.63 million
     Total Assets $ 151.39 million
LIABILITIES
Total deposits $ 150.24 million
      Interest-bearing deposits $ 126.00 million
      Deposits held in domestic offices $ 150.24 million
      % insured (estimated) 83.42%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.15 million
      Total Liabilities $ 151.39 million
      Shareholders’ Equity $ 17.24 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 7.55 million
Total Interest Expense $ 2.10 million
Net interest income $ 5.45 million
Provision for loan and lease losses $ 0.37 million
Total non interest income $ 1.22 million
Total non interest expense $ 4.39 million
Pre-tax Net Operating Income $ 1.91 million

Bank Loan Profile?

The top three loan types in Oxford University Bank’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Mississippi, Oxford University Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 45.67
Multifamily
Mortgages
5.13
Credit Card Loans 0.00
Consumer Auto Loans 3.83
Small Business Loans 10.48
Construction and Development Loans 17.38
Commercial Real Estate 16.04
Commercial and Industrial Loans 8.53
Farm Loans 0.00

Frequently Asked Questions About Oxford University Bank

Branches and Savings

Is Oxford University Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57034.

Why does Oxford University Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Oxford University Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Oxford University Bank a commercial bank?

Yes

Where are Oxford University Bank locations?

See branch locations nearby.

Is Oxford University Bank open on Saturdays?

Is Oxford University Bank open on Sundays?

What time does Oxford University Bank open?

What time does Oxford University Bank close?

Are Oxford University Bank ATMs Open 24/7?

Do Oxford University Bank ATMs accept cash deposits?

Can Oxford University Bank customers use other ATMs?

Do Oxford University Bank branches have notaries?

Will Oxford University Bank notarize my document?

What address for Oxford University Bank should I put for incoming ACH transfers?

Will the Oxford University Bank branch print checks?

Do Oxford University Bank checks expire?

Does Oxford University Bank require US citizenship to open account?

Can Oxford University Bank close my account?

Does Oxford University Bank Report to credit bureaus?

Does Oxford University Bank Use Equifax?

What is Oxford University Bank's ACH Routing Number?

What is Oxford University Bank's SWIFT code?

Products

Does Oxford University Bank offer mortgages?

Compare mortgage rates here.

Does Oxford University Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Oxford University Bank offer personal loans?

Compare personal loan rates here.

Does Oxford University Bank offer student loans?

Will Oxford University Bank cash a check?

Will Oxford University Bank redeem a savings bond?

Does Oxford University Bank cash savings bonds?

Will Oxford University Bank cash money orders?

Can Oxford University Bank issue a money order?

Does Oxford University Bank do currency exchange?

Background on The Bank

Who owns Oxford University Bank?

How long has Oxford University Bank been around?

Can Oxford University Bank transfer to other banks?

Does Oxford University Bank have quick pay?

Does Oxford University Bank accept rolled coins?

Will Oxford University Bank accept loose change?

Where is Oxford University Bank headquarters?

Customer Reviews for Oxford University Bank

There are currently no comments for Oxford University Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →