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First Choice Bank

Pontotoc, MS · Cert 5006 · Pontotoc Bancshares Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

8

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Choice Bank

Pontotoc, MS · Cert 5006 · Pontotoc Bancshares Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$561.0MAssets
$406.4MLoans
$510.0MDeposits
$45.9MEquity
Loan mix
85%RE $310.1M10%C&I $35.2M5%Consumer $19.4MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $448.6M12%Noninterest $61.4MQ3 2024Q2 2026

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 0.0% share · #45 of 48 inst. · $0.0B of $46.3B

64.0% Pontotoc
0.6% Lee
0.5% DeSoto
4.2% Chickasaw

Executive Summary

  • Earnings: ROA of 0.38%, down 49 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.31% of loans (-15 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.52%, down 86 bps from a year ago.
  • Funding: loans stand at 79.69% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.38%-49 bps YoY

Net Interest Margin (YTD, annualized)

3.37%0 bps YoY

Efficiency Ratio (YTD, annualized)

87.16%+1,800 bps YoY

Tier 1 Leverage Ratio

9.52%-86 bps YoY

NIM

4.97%Q2 ’245.56%Q2 ’255.59%Q2 ’26+23%+0%

Non-interest income vs. expense

2.59%Q2 ’242.81%Q2 ’253.45%Q2 ’26+13%+35%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.69%0.74%0.87%0.87%0.85%-0.24%0.38%-49 bps
Return on Equity8.30%8.48%9.20%10.60%10.35%9.93%-2.85%4.60%-600 bps
Net Interest Margin2.82%2.91%3.18%3.37%3.46%3.46%3.32%3.37%0 bps
Efficiency Ratio74.90%74.66%72.48%69.16%70.18%71.78%107.69%87.16%+1,800 bps
Non-Interest Burden1.93%1.99%2.11%2.11%2.22%2.29%3.62%2.86%+75 bps
Growth
Asset Growth (YoY)7.61%3.90%4.90%2.00%2.69%6.59%8.94%12.21%+1,021 bps
Loan Growth (YoY)7.46%12.40%19.39%21.49%17.78%14.99%13.79%19.04%-244 bps
Deposit Growth (YoY)6.24%3.71%4.64%1.33%2.39%5.86%9.20%12.87%+1,153 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.59%0.52%0.45%0.42%0.45%0.78%0.31%-15 bps
Net Charge-Offs / Loans0.04%0.05%0.09%0.07%0.05%0.05%0.04%0.09%+1 bps
Allowance / Loans1.28%1.22%1.19%1.16%1.18%1.15%1.11%0.99%-18 bps
Allowance Coverage of NPLs2.0x2.1x2.3x2.6x2.8x2.6x1.4x3.2x+0.6x
Capital
Tier 1 Leverage Ratio10.55%10.33%10.16%10.39%10.63%10.23%9.55%9.52%-86 bps
Total Risk-Based Capital10.55%10.33%10.16%10.39%10.63%10.23%9.55%9.52%-86 bps
Equity / Assets8.77%8.05%7.98%8.60%9.18%8.73%7.90%8.19%-41 bps
Liquidity & Funding
Loans / Deposits67.90%70.91%70.18%75.55%78.11%77.03%73.13%79.69%+414 bps
Liquid Assets / Assets1.25%1.00%2.56%0.37%0.16%1.02%5.59%1.38%+101 bps
CRE / Total Capitaln/an/an/an/a265%288%309%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Choice Bank

Pontotoc, MS · Cert 5006 · Peer group: banks under $1B in assets (n=581-629) · Pontotoc Bancshares Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$561.0MAssets
$406.4MLoans
$510.0MDeposits
$45.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 57% of banks under $1B in assets (rank 249 of 581).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets (rank 592 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.37%

Rank 536 of 629

Net Interest Margin

3.37%

Rank 366 of 629

Efficiency Ratio

87.16%

Rank 528 of 629

Equity / Assets

8.19%

Rank 546 of 629

Non-interest income vs. expense

$3.3M$19.2MINCOMEEXPENSE
Unfavorable gap of $15.9M · efficiency ratio beats 16% of banks under $1B in assets
Bank 87.16%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.37%0.60%1.01%1.45%Beats 15%536 / 629
Return on Equity4.51%5.38%9.30%13.28%Beats 21%499 / 629
Net Interest Margin3.37%3.03%3.54%4.05%Beats 42%366 / 629
Efficiency Ratio87.16%58.35%67.79%79.08%Beats 16%528 / 629
Asset Quality
Nonperforming Loans / Loans0.31%0.09%0.46%1.20%Beats 57%249 / 581
Net Charge-Offs / Loans0.07%n/a0.01%0.06%Beats 25%439 / 581
Capital
Tier 1 Capital Ratio9.52%11.24%13.84%18.77%Beats 6%590 / 629
Total Risk-Based Capital Ratio9.52%11.58%14.43%19.66%Beats 6%592 / 629
Equity / Assets8.19%9.09%10.65%13.80%Beats 13%546 / 629
Liquidity & Funding
Loans / Deposits79.69%67.24%80.90%93.48%48th pctl306 / 594
Loans / Assets72.44%53.31%67.71%78.15%59th pctl257 / 629
Brokered Deposits / Depositsn/aNot reported for this institution