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First Choice Bank (MS)


Overview / Commentary
www.firstchoice.bank
662-489-1631
19 South Main Street
Pontotoc, MS 38863

First Choice Bank (MS) is headquartered in Pontotoc and is the 32nd largest bank in the state of Mississippi. It is also the 2,092nd largest bank in the nation. It was established in 1900 and as of December of 2020, it had grown to 73 employees at 3 locations. First Choice Bank (MS) has an A+ health rating.

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Health
A+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #5006
Year Established1900
Employees73
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD8.74%
Annual Interest Income$14.3MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$364.0MM$309.0MM
LoansQ4 2020vs Q4 2019$200.8MM$195.6MM
DepositsQ4 2020vs Q4 2019$317.6MM$266.2MM
Equity CapitalQ4 2020vs Q4 2019$44.0MM$40.2MM
Loan Loss AllowanceQ4 2020vs Q4 2019$2.4MM$2.0MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$571.00K$708.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$20.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

First Choice Bank (MS) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$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-90 Day CD
0.05%$1k-30 Day CD

First Choice Bank (MS) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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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