First Choice Bank Routing Number (ABA): 084202073

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

Domestic offices

6 FDIC institution directory, current count

Full financial profile · Is First Choice Bank safe? · Branch locations

What the digits mean

The first two digits, 08, place this number in the Federal Reserve Bank of St. Louis's district (District 8). Digits five through eight, 0207, identify the institution within that district. The last digit, 3, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to First Choice Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your First Choice Bank checks or in its online banking. Ask the bank for wire instructions (https://www.firstchoice.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About First Choice Bank

First Choice Bank is headquartered in Pontotoc, Mississippi. It reported $561.0M in total assets and $510.0M in deposits for Q2 2026, the 25th largest of the 57 banks headquartered in Mississippi. It reports 6 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the Federal Reserve.

What the digits in 084202073 mean

The first four digits, 0842, are the Federal Reserve routing symbol. The prefix 08 places the number in the 8th Federal Reserve District (St. Louis). That is also the district where the bank is headquartered. Digits five through eight, 0207, identify the institution within its Federal Reserve district. The last digit, 3, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 2 + 7 x 15 + 9 = 120, a multiple of 10, so 084202073 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the First Choice Bank routing number?

The First Choice Bank routing number is 084202073. It is the primary ABA routing transit number registered to First Choice Bank, headquartered in Pontotoc, MS. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.

What is the First Choice Bank wire routing number?

This page lists the primary routing number registered to First Choice Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with First Choice Bank before sending a wire.

Is ABA number 084202073 the routing number for First Choice Bank?

Yes. It is the primary routing number registered to First Choice Bank.

Which bank uses routing number 084202073?

It belongs to First Choice Bank, headquartered in Pontotoc, MS. It is the bank's primary ABA routing number (FDIC certificate 5006).

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