$559M
+8.9%y/y
Percentile by value58th percentileby value
FDIC
ASSETFC
First Choice Bank
Pontotoc, MississippiFDIC Cert #5006
STATEEstablished 19006 branches
Holding company: PONTOTOC BANCSHARES CORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Choice Bank reported $559M in total assets. Deposits grew 9.20% over the prior year.
Return on assets was −0.24%, compared with an asset-peer median of 1.22%. The leverage ratio was 9.55%.
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$510M
+9.2%y/y
Percentile by value64th percentileby value
FDIC
DEP$369M
+13.9%y/y
Percentile by value56th percentileby value
FDIC
LNLSNET−0.24%
−97 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA107.69%
+3,521 bpsy/y
Peer standing2nd percentile
FDIC
NONIX + NIM + NONII + EEFFR9.55%
−61 bpsy/y
Peer standing25th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $388M | $339M |
| Q3 2021 | $389M | $340M |
| Q4 2021 | $395M | $348M |
| Q1 2022 | $412M | $371M |
| Q2 2022 | $409M | $370M |
| Q3 2022 | $434M | $397M |
| Q4 2022 | $435M | $395M |
| Q1 2023 | $462M | $421M |
| Q2 2023 | $453M | $412M |
| Q3 2023 | $452M | $412M |
| Q4 2023 | $466M | $424M |
| Q1 2024 | $489M | $446M |
| Q2 2024 | $490M | $446M |
| Q3 2024 | $486M | $437M |
| Q4 2024 | $484M | $440M |
| Q1 2025 | $513M | $467M |
| Q2 2025 | $500M | $452M |
| Q3 2025 | $499M | $448M |
| Q4 2025 | $516M | $465M |
| Q1 2026 | $559M | $510M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $28M |
| Investor CRE | $44.4M |
| Multifamily | $17.8M |
| Construction | $69M |
| 1–4 family | $140M |
| C&I | $35.2M |
| Agriculture | $16.4M |
| Other | $22.2M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.24%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE−2.85%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.73%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR107.69%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+9.20%79th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+13.88%84th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.78%33rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ9.55%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.69%36th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.24%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.07%90th 1.90%Observations 57
ROE
FDIC
NETINC + ROE−2.85%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.64%Median 10.22%90th 17.27%Observations 57
NIM
FDIC
NIM + NIMY3.73%39th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.00%Median 3.91%90th 5.09%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR107.69%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.71%Median 65.39%90th 83.91%Observations 57
Deposits YoY
FDIC
DEP+9.20%77th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.17%Median +3.57%90th +18.25%Observations 57
Loans YoY
FDIC
LNLSNET+13.88%71st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.53%Median +7.85%90th +21.45%Observations 57
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.78%46th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.74%90th 2.07%Observations 57
Leverage
FDIC
RBC1AAJ9.55%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.64%Median 10.99%90th 14.24%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.69%23rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.38%90th 3.09%Observations 57
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 30%Median 148%90th 272%Observations 22
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.24%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.41%Median 1.02%90th 1.87%Observations 28
ROE
FDIC
NETINC + ROE−2.85%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.34%Median 10.17%90th 18.78%Observations 28
NIM
FDIC
NIM + NIMY3.73%44th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.91%Median 3.85%90th 4.74%Observations 28
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR107.69%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 57.46%Median 66.94%90th 83.89%Observations 28
Deposits YoY
FDIC
DEP+9.20%89th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.36%Median +2.36%90th +9.30%Observations 28
Loans YoY
FDIC
LNLSNET+13.88%70th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.61%Median +8.10%90th +17.19%Observations 28
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.78%33rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.64%90th 1.53%Observations 28
Leverage
FDIC
RBC1AAJ9.55%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.56%Median 10.90%90th 13.33%Observations 28
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.69%26th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.36%90th 3.00%Observations 28
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 29%Median 137%90th 246%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 6 branches
- Headquarters
- Pontotoc, MS
FDIC
OFFDOMOpen the Mississippi dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data