First Choice Bank (FDIC #5006): Bank Stress & Real-Estate Credit Exposure
First Choice Bank (FDIC Cert #5006): bank stress 89/100, severe, STABLE over 7 days; parent PONTOTOC BANCSHARES CORP.
First Choice Bank (#5006) lends in 4 counties across 1 state; First Choice Bank (#5006) reaches 36 ZIP codes: Mississippi 4 counties, 36 ZIPs.
First Choice Bank (#5006) largest markets: Lee County, MS (15 branches, 15 ZIPs) (#5006), Pontotoc County, MS (33 branches, 11 ZIPs) (#5006), Desoto County, MS (10 branches, 10 ZIPs) (#5006), Chickasaw County, MS (8 branches, 8 ZIPs) (#5006).
First Choice Bank (#5006) reports $561.0 million in total assets; First Choice Bank (#5006) equity $45.9 million (8.2% of First Choice Bank (#5006) assets); First Choice Bank (#5006) domestic deposits $510.0 million; First Choice Bank (#5006) net income $1.0 million; First Choice Bank (#5006) return on assets 0.38%; First Choice Bank (#5006) return on equity 4.60%; First Choice Bank (#5006) net interest income $9.4 million; First Choice Bank (#5006) call report June 30, 2026.
First Choice Bank (#5006) noncurrent real-estate loans 0.07% of its book; First Choice Bank (#5006) net charge-offs on real estate 0.30%.
First Choice Bank (#5006) net interest margin 3.83% against an eight-quarter First Choice Bank (#5006) average of 3.60% (First Choice Bank (#5006) compression -0.23 points); First Choice Bank (#5006) real-estate loans 6.9% of equity; First Choice Bank (#5006) rate-exposure score 40/100, First Choice Bank (#5006) fixed-rate trap 40/100; First Choice Bank (#5006) risk type credit driven; First Choice Bank (#5006) rate regime rates elevated, First Choice Bank (#5006) snapshot October 20, 2026.
First Choice Bank (#5006) stress score moved from 96.1 on June 22, 2026 to 89.3 on October 20, 2026; First Choice Bank (#5006) ranged 89.3 to 96.1 over 117 snapshots.
First Choice Bank (#5006) alerts: 4 counties; top First Choice Bank (#5006) alert scores: Pontotoc County, MS 48 (moderate); Houlka County, MS 28 (low); Southaven County, MS 28 (low); Tupelo County, MS 28 (low).