First Choice Bank (MS)

Overview / Commentary
19 South Main Street
Pontotoc, MS 38863

First Choice Bank (MS) is headquartered in Pontotoc and is the 31st largest bank in the state of Mississippi. It is also the 2,075th largest bank in the nation. It was established in 1900 and as of June of 2021, it had grown to 74 employees at 3 locations. First Choice Bank (MS) has an A+ health rating.


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Health Grade Components

FDIC Certificate #5006
Year Established1900
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD9.2%
Annual Interest Income$7.5MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$387.8MM$345.2MM
LoansQ2 2021vs Q2 2020$214.5MM$201.4MM
DepositsQ2 2021vs Q2 2020$338.6MM$299.2MM
Equity CapitalQ2 2021vs Q2 2020$44.9MM$42.9MM
Loan Loss AllowanceQ2 2021vs Q2 2020$2.6MM$2.2MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$678.00K$969.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Choice Bank (MS) Savings Account Rates

0.30%$50-Convenience IRA
0.25%--Christmas Club Savings
0.10%$100-Regular Savings
0.10%$25-Kids Club Savings

First Choice Bank (MS) Checking Account Rates

0.80%*-$30kKasasa Cash
OTHER TIERS: 0.10% $30k+
0.15%$1k-1st Choice 62

First Choice Bank (MS) CD Rates

0.55%$1k-60 Month CD
0.50%$1k-48 Month CD
0.45%$1k-36 Month CD
0.40%$1k-24 Month CD
0.30%$1k-12 Month CD
0.30%$1k-18 Month CD
0.20%$1k-182 Day CD
0.10%$1k-30 Day CD
0.10%$1k-90 Day CD

First Choice Bank (MS) IRA Rates

0.60%$1k-48 Month IRA
0.60%$1k-60 Month IRA
0.55%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.40%$1k-12 Month IRA

First Choice Bank (MS) Locations
The First National Bank Of Pontotoc19 South Main StreetPontotoc, MS 38863
First National Bank Ecru Branch7670 Hwy 15 NorthEcru, MS 38841
West Pontotoc BranchHighway 15 NorthPontotoc, MS 38863

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