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
Unfavorable gap of $15.9M · efficiency ratio beats 16% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.60% | 1.01% | 1.45% | Beats 15% | 536 / 629 | |
| Return on Equity | 4.51% | 5.38% | 9.30% | 13.28% | Beats 21% | 499 / 629 | |
| Net Interest Margin | 3.37% | 3.03% | 3.54% | 4.05% | Beats 42% | 366 / 629 | |
| Efficiency Ratio | 87.16% | 58.35% | 67.79% | 79.08% | Beats 16% | 528 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.46% | 1.20% | Beats 57% | 249 / 581 | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 25% | 439 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.52% | 11.24% | 13.84% | 18.77% | Beats 6% | 590 / 629 | |
| Total Risk-Based Capital Ratio | 9.52% | 11.58% | 14.43% | 19.66% | Beats 6% | 592 / 629 | |
| Equity / Assets | 8.19% | 9.09% | 10.65% | 13.80% | Beats 13% | 546 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 79.69% | 67.24% | 80.90% | 93.48% | 48th pctl | 306 / 594 | |
| Loans / Assets | 72.44% | 53.31% | 67.71% | 78.15% | 59th pctl | 257 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |