Headquartered in Pontotoc, Mississippi, First Choice Bank is a state-chartered bank (fed member) with $561.0M in total assets and $510.0M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1900.
First Choice Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 49th. Problem-loan coverage contributes the most (92/100, 4.0%); earnings contributes the least (35/100, 0.38%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (68 → 61), mostly because the earnings component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 68 |
| Q1 2026 | 54 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.32% |
| Q3 2024 | 10.55% |
| Q4 2024 | 10.33% |
| Q1 2025 | 10.16% |
| Q2 2025 | 10.39% |
| Q3 2025 | 10.63% |
| Q4 2025 | 10.23% |
| Q1 2026 | 9.55% |
| Q2 2026 | 9.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.31% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.85% |
| Q1 2026 | -0.24% |
| Q2 2026 | 0.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $561.0M | 9.52% | 0.31% | 0.38% | 78.9% |
| Q1 2026 | 54 | $558.7M | 9.55% | 0.78% | -0.24% | 72.3% |
| Q4 2025 | 68 | $515.8M | 10.23% | 0.45% | 0.85% | 76.1% |
| Q3 2025 | 69 | $499.0M | 10.63% | 0.42% | 0.87% | 77.2% |
| Q2 2025 | 68 | $500.0M | 10.39% | 0.45% | 0.87% | 74.7% |
| Q1 2025 | 67 | $512.9M | 10.16% | 0.52% | 0.74% | 69.3% |
| Q4 2024 | 66 | $483.8M | 10.33% | 0.59% | 0.69% | 70.1% |
| Q3 2024 | 67 | $485.9M | 10.55% | 0.64% | 0.68% | 67.0% |
| Q2 2024 | 71 | $490.2M | 10.32% | 0.21% | 0.67% | 62.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| First BankBank Mccomb, MS | 74 out of 100, Strong | $562.9M | 13.0% | 1.11% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| Century BankBank Lucedale, MS | 69 out of 100, Moderate | $566.2M | 10.1% | 0.60% | vs |
| The Peoples BankBank Ripley, MS | 72 out of 100, Strong | $581.8M | 10.2% | 0.34% | vs |
| Bank of Holly SpringsBank Holly Springs, MS | 52 out of 100, Below average | $587.5M | 13.1% | 4.61% | vs |
Deposit insurance
Is my money safe at First Choice Bank?
Yes. First Choice Bank is an FDIC-insured institution (FDIC certificate #5006). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.7% of deposits ($192.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.52%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
First Choice Bank lists 6 offices in 5 cities. Most locations:
- Pontotoc, MS (2)
- Ecru, MS (1)
- Houlka, MS (1)
- Southaven, MS (1)
- Tupelo, MS (1)
Identity & history
Profile
- Legal name
- First Choice Bank
- Former names
- The First National Bank of Pontotoc
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 5006
- RSSD ID
- 968744
- Primary regulator
- FED
- Holding company
- Pontotoc Bancshares Corp
- Established
- January 1, 1900
- Headquarters
- 19 S Main St, Pontotoc, MS 38863
- Website
- www.firstchoice.bank
- Employees
- 98
Quick answers
First Choice Bank: common questions
Is First Choice Bank FDIC insured?
Yes. First Choice Bank is an FDIC-insured institution (FDIC certificate #5006). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Choice Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Choice Bank ever failed?
There is no failure record for FDIC certificate #5006 in the FDIC failed bank list.
How many branches does First Choice Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pontotoc
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| N. Mississippi Health Services Emp. Federal Credit UnionCredit union Tupelo, MS | 97 out of 100, Very strong | $14.0M | 20.9% | 0.00% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |
| Brightview Federal Credit UnionCredit union Ridgeland, MS | 78 out of 100, Strong | $37.6M | 16.3% | 0.75% | vs |
| BNA BankBank New Albany, MS | 77 out of 100, Strong | $855.7M | 12.5% | 0.72% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| FNB Oxford BankBank Oxford, MS | 75 out of 100, Strong | $939.7M | 11.9% | 0.13% | vs |