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First Choice Bank
Pontotoc, MS · FDIC Certificate #5006 · Chartered 01/0
Total assets
$561.00M
Total deposits
$510.01M
Total equity
$45.93M
Net loans
$402.40M
Branches (offices)
6
Net income (YTD)
$1.03M
Rank: #1,641 of 4,213 U.S. banks by assets · #25 of 57 in Mississippi. Assets changed 12.2% and deposits 12.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.38% |
| Return on equity | 4.60% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 8.19% |
| Tier 1 leverage ratio | 9.52% |
| Uninsured deposits (share of deposits) | 37.7% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 78.9% |
| Real estate loans (share of loans) | 87.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $349.96M | 87.0% | |
| Commercial & industrial | $30.27M | 7.5% | |
| Consumer / individual | $21.10M | 5.2% | |
| Construction & development | $71.62M | 17.8% | |
| Agricultural | $4.22M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $409.02M | $370.08M | $2.19M | $36.69M |
| Jun 2023 | $452.66M | $411.52M | $2.13M | $37.07M |
| Jun 2024 | $490.16M | $445.92M | $1.61M | $38.62M |
| Jun 2025 | $499.95M | $451.87M | $2.17M | $42.98M |
| Jun 2026 | $561.00M | $510.01M | $1.03M | $45.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $510.01M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $510.01M.
Similar-sized banks
Cbbc Bank ($562.12M) · United Mississippi Bank ($560.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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