Institution profile

First Choice Bank

Bank · Active · Headquarters: Pontotoc, MS

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name: First Choice Bank
Display name: First Choice Bank
Institution status: Active
FDIC insured: Yes
FDIC insured since: January 1, 1934
Established date: January 1, 1900
Charter class: State-chartered commercial bank, member of the Federal Reserve System (FRS)
Primary federal regulator: Federal Reserve Board
Headquarters: Pontotoc, MS, 38863, United States
Website: https://www.firstchoice.bank
FDIC certificate number: 5006
Federal Reserve RSSD ID: 968744
Domestic location count: 6
Source observed: August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status: ACTIVE
Primary federal regulator: FRS
Institution type: State Member Bank
Primary activity: NAICS 52211
FDIC certificate: 5006
Federal Reserve RSSD ID: 968744
Headquarters: 19 South Main Street, Pontotoc, MS, 38863, United States
Primary deposit insurer: Deposit Insurance Fund (DIF)
Source observed: August 19, 2026

Branch network

Listed locations

Showing 1 through 5 of 5 listed locations

StateCity or branch

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Showing 1 through 5 of 5 FFIEC NIC branch locations
Branch	Address	City	State	Postal code
FIRST CHOICE BANK ECRU BRANCH	7670 Highway 15 North	Ecru	MS	38841
HOULKA BRANCH	301 West Front Street	Houlka	MS	38850
WEST PONTOTOC BRANCH	236 Highway 15 North	Pontotoc	MS	38863
SOUTHAVEN BRANCH	3212 Goodman Road East	Southaven	MS	38672
TUPELO BRANCH	3850 North Gloster St.	Tupelo	MS	38804

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating: Satisfactory
Exam date: March 20, 2023
Regulator: Federal Reserve
Examination method: Intermediate Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

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Historical CRA evaluations
Exam date	CRA rating	Regulator	Examination method
March 20, 2023	Satisfactory	Federal Reserve	Intermediate Small Bank
February 4, 2019	Satisfactory	Federal Reserve	Small Bank

Read the methodology

Institutional history

1 FFIEC NIC history event

Showing 1 of 1 history events

FFIEC NIC institutional history events
Event date	Event type	Related institution
April 16, 1994	Failure - Government Assistance Provided	SECURITY FEDERAL SAVINGS AND LOAN ASSOCIATION

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC-reported organizational relationships

2 FFIEC NIC relationship records

Showing 1 through 2 of 2 relationship records

FFIEC NIC organizational relationships
Relationship	Institution	Type	Location
Direct relationship	FIRST CHOICE INSURANCE, INC	Domestic Entity Other	Pontotoc, MS
ROOT_INSTITUTION	FIRST CHOICE BANK	State Member Bank	Pontotoc, MS

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: FDIC-insured state-chartered member bank