First Choice Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Choice Bank of Pontotoc, MS against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.97% | 1.25% | -0.28% | 31st below |
| ROAE | 12.02% | 13.17% | -1.15% | 47th below |
| Net Interest Margin | 3.90% | 3.95% | -0.05% | 47th below |
| Efficiency Ratio | 67.42% | 61.50% | +5.92% | 33rd below |
| PPNR / Avg Assets | 1.31% | — | — | 34th below |
| Yield on Earning Assets | 6.35% | 5.67% | +0.68% | 82nd top |
| Cost of Funds | 2.49% | 1.87% | +0.62% | 15th bottom |
| Net Interest Spread | 3.55% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.52% | 0.93% | -0.41% | 44th below |
| NPA / Total Assets | 0.51% | — | — | 38th below |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 16th bottom |
| ACL / Total Loans | 0.99% | — | — | 24th bottom |
| ACL / NPLs (Coverage) | 190.06% | — | — | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.04% | 6.06% | -2.02% | 41st below |
| Provision / NCO | 34.10% | — | — | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.52% | 11.75% | -2.23% | 22nd bottom |
| Equity / Assets | 8.19% | 10.98% | -2.79% | 15th bottom |
| TCE / Tangible Assets | 8.11% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.69% | 80.44% | -0.75% | 52nd above |
| Core Deposit Ratio | 84.03% | 86.95% | -2.92% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.21% | — | — | 87th top |
| Loan Growth (Y/Y) | 19.04% | — | — | 91st top |
| Deposit Growth (Y/Y) | 12.87% | — | — | 88th top |
See First Choice Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Choice Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Choice Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Choice Bank peer analysis.