Bank Comparison
First Port City Bank vs South Georgia Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Port City Bank | South Georgia Banking Company |
|---|---|---|
| CET1 Ratio | 13.96% | 17.56% |
| Tier 1 Capital Ratio | 13.96% | 17.56% |
| Total Capital Ratio | 15.22% | 18.62% |
| Tier 1 Leverage Ratio | 10.42% | 13.24% |
| Equity / Assets | 9.91% | 13.01% |
Profitability
| Metric | First Port City Bank | South Georgia Banking Company |
|---|---|---|
| Return on Assets (ROA) | 1.58% | 1.55% |
| Return on Equity (ROE) | 16.06% | 12.06% |
| Net Interest Margin (NIM) | 4.60% | 5.10% |
| Yield on Earning Assets | 6.69% | 5.78% |
| Cost of Funds | 2.27% | 0.69% |
Asset quality
| Metric | First Port City Bank | South Georgia Banking Company |
|---|---|---|
| Texas Ratio | 4.17% | 4.27% |
| Non-Performing Loan Ratio | 0.53% | 0.79% |
| Non-Performing Asset Ratio | 0.46% | 0.51% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 1.38% | 1.16% |
Balance sheet
| Metric | First Port City Bank | South Georgia Banking Company |
|---|---|---|
| Total Assets | $600,578K | $589,788K |
| Total Deposits | $536,930K | $510,479K |
| Total Loans | $465,042K | $382,902K |
| Total Equity | $59,532K | $76,747K |
| Net Income (quarter) | $2,355K | $2,287K |
Liquidity & funding
| Metric | First Port City Bank | South Georgia Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 86.61% | 75.01% |
| Core Deposit Ratio | 91.13% | 95.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Port City Bank | South Georgia Banking Company |
|---|---|---|
| Headquarters City | BAINBRIDGE | OMEGA |
| Headquarters State | GA | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 8 |
| Employees (FTE) | 89 | 115 |
| Established | Oct. 7, 1974, midnight | June 14, 1937, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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