First Choice Bank
Pontotoc, MS · Owner: Pontotoc Bancshares Corp
$561M
total assets, June 30, 2026
$561M
total assets, June 30, 2026
First Choice Bank is a state member bank based in Pontotoc, MS, owned by Pontotoc Bancshares Corp. As of June 30, 2026 it held $561.0 million in assets and $510.0 million in deposits; assets were up 12.2% from a year before. It has 6 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$561M
+12.2% in a year · +0.4% in a quarter
Deposits
$510M
+12.9% in a year · 0.0% in a quarter
Loans
$406M
+19.0% in a year · +9.0% in a quarter
Profit so far
$1.0M
Jan 1 to Jun 30, 2026 · -52.3% in a year
Capital ratio
9.53%
-0.86 pts in a year
Return on assets
0.38%
-0.49 pts in a year
Facts
- Type
- State member bank
- Head office
- 19 S Main St, Pontotoc, MS, 38863
- County
- Pontotoc
- Holding company
- Pontotoc Bancshares Corp
- Established
- Jan 1, 1900
- Employees
- 98
- Branches
- 6
- Website
- www.firstchoice.bank
- Id
- b5006
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
6 offices as of June 30, 2026, holding $510.0 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Mississippi | 6 | $510M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| First Choice Bank (main office) | Pontotoc, MS | $379M |
| West Pontotoc Branch | Pontotoc, MS | $36.2M |
| First Choice Bank Ecru Branch | Ecru, MS | $30.0M |
| Tupelo Branch | Tupelo, MS | $27.0M |
| Southaven Branch | Southaven, MS | $21.0M |
| Houlka Branch | Houlka, MS | $16.6M |
Related pages
Questions and answers
How big is First Choice Bank?
$561.0 million in total assets and $510.0 million in deposits as of June 30, 2026, with assets up 12.2% from a year before. Its loans were $406.4 million.
How many branches does First Choice Bank have?
6 branches in Mississippi as of June 30, 2026.
Is First Choice Bank profitable?
Yes: it earned $1.03 million from January 1 to June 30, 2026 (down 52.3% from the same months a year before). Its return on assets was 0.38% a year; about 1% is typical.
Who owns First Choice Bank?
First Choice Bank is owned by Pontotoc Bancshares Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.