FDIC Cert #5006 · Pontotoc, Mississippi · Est. 1900

First Choice Bank - FDIC Bank Health Profile

A community-scale look at First Choice Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$516M
Total assets
B
Health grade · Good
0.85%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

First Choice Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.23% Tier 1, 0.85% ROA, 72% efficiency ratio.

#1,750
largest of 4,313 FDIC banks by assets
59th
percentile by asset size, nationally
10.23%
Tier 1 ratio - above the 10% well-capitalized line
32nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 5006 · MS B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3396/4307
  • PHOTO-FINISH Southern Michigan Ba… · MI
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-PAR 0.85% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Southern Michigan Bank & Trust, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Choice Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Choice Bank · MS · thi…66/100Southern Michigan Ba… · MI ·…66/100Southwest National B… · KS ·…66/100Southwind Bank · KS · near66/100The First National B… · MN ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Choice Bank · July 2026

What First Choice Bank's Call Report plate shows

First Choice Bank (FDIC Cert #5006) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,396 of 4,307. Tier 1 capital prints at 10.23%, clearing the 10% well-capitalized line. The Texas Ratio is 3.27%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.85%. Balance-sheet scale is $516M, 1,750th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Southern Michigan Bank & Trust (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Choice Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

First Choice Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Choice Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How First Choice Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
First Choice Bank's composite health score
Tier 1 Capital Ratio (10.23%) 28/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (3.27%) 20/20
Efficiency Ratio (71.78%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$516M

Total balance-sheet footings

Total Deposits

$465M

Customer-funded liabilities

Net Loans

$354M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.83% 10.23% 11.63%
Basel III capital ratios - First Choice Bank

Where First Choice Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Choice Bank's score of 66/100 falls in the highlighted band.

First Choice Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 21st percentile higher than 21% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Choice Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Choice Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Choice Bank's $516M falls in the highlighted band.

Safety ratios for First Choice Bank

Tier 1 capital ratio
Well-capitalized 10%

10.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.23%
Texas Ratio
3.27%
Equity Capital
$45M

What these ratios mean →

Profitability metrics: First Choice Bank

Return on Assets (ROA)
32nd percentile nationally
0.85%
Return on Equity (ROE)
9.93%
Efficiency Ratio
71.78%

What these mean →

Income & expense at First Choice Bank

$29M
Interest Income
$3M
Non-Interest Income
$15M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Choice Bank reports a Texas Ratio of 3.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Choice Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($516M here), outside Mississippi so the neighborhood is not state containment.

Equitable Bank $516M · NE Magnolia Bank, Incorporated $515M · KY Goldwater Bank $515M · AZ Grand River Bank $516M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Choice Bank (FDIC Cert #5006) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Choice Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%