First Choice Bank
Pontotoc, MS
IDRSSD: 968744
Total Assets
$515.75M
Latest filing
Total Deposits
$465.39M
Latest filing
Net Interest Margin
3.99%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
084202073PONTOTOC, MS
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Choice Bank
19 S Main St
Pontotoc, MS 38863
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1900FDIC Certificate 3342
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Choice Bank (Main) | 19 S Main St | Pontotoc, MS |
| WEST PONTOTOC BRANCH | Highway 15 North | Pontotoc, MS |
| FIRST CHOICE BANK ECRU BRANCH | 7670 Highway 15 N | Ecru, MS |
| HOULKA BRANCH | 301 West Front Street | Houlka, MS |
| TUPELO BRANCH | 3850 N Gloster St | Tupelo, MS |
| SOUTHAVEN BRANCH | 3212 Goodman Rd E | Southaven, MS |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38863 |
| State and County Number | 28115 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Tupelo, MS |
Operational Info
| Number of Employees | 92 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.firstchoice.bank |
| Data Updated | 01/30/2026 |
| CERT | 5006 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $515.75M |
| Total Deposits | $465.39M |
| Total Liabilities | $470.73M |
| Total Equity Capital | $45.02M |
| Net Income | $973.00k |
| Net Loans and Leases | $354.34M |
| Assets Per Employee ($Millions) | $5.67M |
| Bank Premises and Fixed Assets | $15.09M |
| Cash and Balances due from Depository Institutions | $20.32M |
| Deposits Held in Domestic Offices | $465.39M |
Key Performance Ratios
| Return on Assets (ROA) | 0.77% |
| Return on Equity (ROE) | 8.57% |
| Net Interest Margin | 3.99% |
| Efficiency Ratio | 76.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.729% |
| Earning Assets to total Assets | 90.06% |
Income and Expense
| Total Interest Income | $7.47M |
| Total Noninterest Income | $798.00k |
| Total Interest Expense | $2.88M |
| Total Noninterest Expense | $4.12M |
| Net Interest Income | $4.59M |
| Pre-tax Net Operating Income | $1.20M |
| Provision for Credit Losses | $70.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $119.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.34M |
| Total Liabilities and Capital | $515.75M |
Securities
| Securities | $104.89M |
| Available-for-sale debt securities | $104.89M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Choice Bank?
$515.75M as of the latest filing.
How much are First Choice Bank's total deposits?
$465.39M in total deposits.
Where is First Choice Bank located?
Pontotoc, MS.
What is the Net Interest Margin?
3.99%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1900.
What is the Return on Assets (ROA)?
0.77%.
How much are total loans and leases?
$354.34M (latest filing).
What is the total interest income (latest filing)?
$7.47M.