Bank · FDIC insured
First Choice Bank
A $561M bank headquartered in Pontotoc, MS, with 6 branches in Mississippi. Best rates: CDs 1.95% and savings 0.25% APY.
First Choice Bank Carrot Score
61
Carrot Score
Higher than 5% of U.S. banks and credit unions
#30 of 36 in Memphis, TN-MS-AR metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Choice Bank
- Headquarters
- 19 S Main St, Pontotoc, MS 38863
- FDIC certificate
- 5006 ↗
Branches
6 branches in Mississippi
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Mississippi
6 branches
Pontotoc area · 2
- First Choice BankMain office19 S Main St, Pontotoc, MS 38863Directions
- West Pontotoc BranchHighway 15 North, Pontotoc, MS 38863Directions
Ecru area · 1
- First Choice Bank Ecru Branch7670 Highway 15 N, Ecru, MS 38841Directions
Houlka area · 1
- Houlka Branch301 West Front Street, Houlka, MS 38850Directions
Memphis area · 1
- Southaven Branch3212 Goodman Rd E, Southaven, MS 38672Directions
Tupelo area · 1
- Tupelo Branch3850 N Gloster St, Tupelo, MS 38804Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.52% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.31% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.38% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio9.52%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.31%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.38%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Choice Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.