Branch Network
First Choice Bank Locations & Branches Pontotoc, Mississippi
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First Choice Bank operates 6 branches from its headquarters in Pontotoc, MS, .
First Choice Bank branch network
All 6 branches are in MISSISSIPPI, across 5 cities. Pontotoc, MS has the most of its branches, 2. Its largest office by deposits is its main office in Pontotoc, MS, with $379.4M (74.4% of its branch deposits). On June 30, 2025 it had 5 branches, 1 fewer than in 2026.
First Choice Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 9.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $561.0M
- Tier 1 leverage ratio, Q2 2026
- 9.52%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
Full financial profile · Is First Choice Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Pontotoc, MS (2 branches) | 1 of 6 | 62.4% | $415.5M |
| State: MS (6 branches) | 24 of 80 | 0.6% | $510.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Mississippi.
Share by county and metro area
First Choice Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Pontotoc, MS (3 branches) | 1 of 6 | 64.0% | $445.5M | $695.7M |
| Lee, MS (1 branch) | 11 of 14 | 0.6% | $27.0M | $4.77B |
| Desoto, MS (1 branch) | 18 of 20 | 0.5% | $21.0M | $4.54B |
| Chickasaw, MS (1 branch) | 5 of 5 | 4.2% | $16.6M | $390.7M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Tupelo, MS (4 branches) | 3 of 15 | 7.3% | $472.5M | $6.50B |
| Memphis, TN-MS-AR (1 branch) | 45 of 48 | <0.1% | $21.0M | $46.19B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Choice Bank (main office) | Pontotoc, MS | 38863 | $379.4M |
| West Pontotoc Branch | Pontotoc, MS | 38863 | $36.2M |
| First Choice Bank Ecru Branch | Ecru, MS | 38841 | $30.0M |
| Tupelo Branch | Tupelo, MS | 38804 | $27.0M |
| Southaven Branch | Southaven, MS | 38672 | $21.0M |
| Houlka Branch | Houlka, MS | 38850 | $16.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5006) · FFIEC NIC profile (RSSD 968744)