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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