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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Pontotoc, MS · FDIC certificate #5006
FIRST CHOICE BANK is an FDIC-insured institution based in Pontotoc, MS (FDIC certificate #5006). In its Q3 2026 Call Report it reported total assets of $570M, total deposits of $519M and net loans of $434M. Its primary federal regulator is FED.
Reported facts
Deterministic ratios for FIRST CHOICE BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $519M |
|---|---|
| Net loans and leases | $434M |
Plain-language readout
FIRST CHOICE BANK in Pontotoc, MS funds its loans with $519M of deposits and holds $434M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FIRST CHOICE BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 83.58% in Q3 2026, against 72.32% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $434M | $519M | 83.58% |
| Q2 2026 | $402M | $510M | 78.90% |
| Q1 2026 | $369M | $510M | 72.32% |