FIRST CHOICE BANK

PONTOTOC, MS | Medium | Est. Jan. 1, 1900, midnight | FDIC #5006 | RSSD #968744 | FED
Latest Report: 2025-12-31

FIRST CHOICE BANK is amn medium FDIC-insured commercial bank headquartered in PONTOTOC, MS, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $516M and total deposits of $465M. Profitability stands at 0.77% ROA and 8.57% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 8.55%. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 3.51%. FDIC Certificate #5006.

Assets

$516M

Deposits

$465M

Loans

$358M

Equity

$45M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 8.57%
Net Interest Margin (NIM) 3.93%
Yield on Assets 6.40%
Cost of Funds 2.52%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.05%
Texas Ratio 3.51%
NPA Ratio 0.33%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 8.55%
Tier 1 Capital 8.55%
Total Capital Ratio 8.98%
Leverage Ratio 10.23%
Loan-to-Deposit 77.03%

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