First Choice Bank

Pontotoc, MississippiFDIC Cert #5006

STATEEstablished 19006 branches

Holding company: PONTOTOC BANCSHARES CORPRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
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

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$373M

+13.8%y/y

Percentile by value56th percentileby value

FDICLNLSGR

Net loans

$369M

+13.9%y/y

Percentile by value56th percentileby value

FDICLNLSNET

Loans YoY

+13.88%

−29.3%y/y

Percentile by value84th percentileby value

FDICLNLSNET

L/D

72.3%

+4.3%y/y

Percentile by value32nd percentileby value

FDICLNLSNET + DEP

Loans/assets

66.0%

+4.5%y/y

Percentile by value41st percentileby value

FDICLNLSNET + ASSET

RE loans %

83.17%

+1.1%y/y

Percentile by value43rd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,071points

−6.8%y/y

Peer standing55th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.50%

−12.4%y/y

Percentile by value27th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

11.90%

−3.1%y/y

Percentile by value44th percentileby value

FDICLNRENROT + LNLSGR

C&I %

9.43%

+2.4%y/y

Percentile by value51st percentileby value

FDICLNCI + LNLSGR