First Port City Bank
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Data as of · sourced from FFIEC call reports. How we update
First Port City Bank is an FDIC-insured commercial bank headquartered in Bainbridge, GA, established in 1974 (FDIC certificate 21784), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $623.9M, up 7.5% from Q2 2025, the 27th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 13.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21784
- Headquarters
- Bainbridge, GA
- Established
- 1974
- Total assets, Q2 2026
- $623.9M
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 13.64%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 061202452
- Latest call report
- Q2 2026, FFIEC 051 · First Port City Bank call report
- Holding company
- PORT CITY HOLDING COMPANY, INC.
- Asset rank in state
- 27th of 121 in Georgia
Problem loans are rising at First Port City Bank. Based in Bainbridge, Georgia, it had $624 million in assets at June 30, 2026, up 7.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.98% of loans from 0.51% a year earlier. It keeps 4.59 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it pays an average of 2.25% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Its $53 million non-owner-occupied commercial real estate book is now fully current, after 2.68% of it was past due or on nonaccrual a year earlier. Net income for the quarter rose 13% from a year earlier, to $2.4 million. Credit is the area to watch: it carries problem assets equal to 7.5% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, First Port City Bank reported a CET1 capital ratio of 13.64%, a return on assets of 1.54%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 7.53%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, First Port City Bank is the 27th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.9% to $623.9M, loans rose 5.2% and deposits rose 3.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.2% of total loans, ahead of owner-occupied commercial real estate loans at 26.6%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Bainbridge 3 offices book 51% of its branch deposits. Judged on its Q2 2026 call report, First Port City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 W Shotwell St, Bainbridge, GA 39819
- County
- Decatur
- Metro Area
- Bainbridge, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 7, 1974
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 94
- Domestic deposits
- $557.5M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $220K
- Average total assets
- $610.2M
- Average total loans
- $482.8M
- Average interest-bearing deposits
- $444.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 7, 1974
- FDIC Cert
- 21784
- Fed RSSD
- 262237
- Website
- www.firstportcity.com →
- Parent Holding Company
- PORT CITY HOLDING COMPANY, INC. (RSSD 1082601)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Port City Bank's total assets moved between a low of $468.3M (Q3 2023) and a high of $623.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$623.9M total assets against $580.6M; $562.4M total liabilities against $527.8M.
$482.9M net loans and leases against $455.1M; $557.5M total deposits against $523.8M.
$40.0M securities against $44.2M; $76.4M cash and balances due against $57.1M.
$9.8M total interest income against $9.3M; $3.1M total interest expense against $3.4M.
$6.7M net interest income against $5.9M.
$594K total noninterest income against $794K; $4.1M total noninterest expense against $3.8M.
$200K provision for credit losses against $160K.
$2.4M net income against $2.1M.
1.54% return on assets against 1.45%; 4.59% net interest margin against 4.27%.
13.64% CET1 capital ratio against 12.84%; 10.49% tier 1 leverage ratio against 9.75%.
Inside the full First Port City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Port City Bank rankings
Its closest position to the top of a national ranking is 885 of 3,640, for Texas Ratio; its furthest is 1,217 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q4 2024) to 1.58% (Q1 2026) and its net interest margin ran from 3.87% (Q3 2024) to 5.10% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.64% | 1.54% | 1.04% | 7.53% | 4.59% |
| Q1 2026 | 13.96% | 1.58% | 0.47% | 3.27% | 4.60% |
| Q4 2025 | 13.49% | 1.54% | 0.56% | 4.32% | 5.10% |
| Q3 2025 | 13.00% | 1.51% | 0.68% | 4.23% | 4.53% |
| Q2 2025 | 12.84% | 1.45% | 0.70% | 4.55% | 4.27% |
| Q1 2025 | 12.40% | 1.35% | 0.75% | 4.42% | 4.18% |
| Q4 2024 | 12.33% | 1.00% | 0.82% | 5.15% | 4.02% |
| Q3 2024 | 11.98% | 1.19% | 0.85% | 4.48% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Port City Bank (main office) | Bainbridge , GA | 39819 | $237.7M |
| Yulee Branch | Yulee , FL | 32097 | $140.0M |
| Fernandina Beach Branch | Fernandina Beach , FL | 32034 | $77.5M |
| Donalsonville Branch | Donalsonville , GA | 39845 | $55.4M |
| Southside Branch | Bainbridge , GA | 39819 | $46.9M |
| Eastside Express Drive Thru Branch | Bainbridge , GA | 39819 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 76 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $14.4M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Port City Bank
What are First Port City Bank's total assets?
As of the Q2 2026 filing, First Port City Bank reported total assets of $623.9 million in its FFIEC call report.
Where is First Port City Bank headquartered?
It is headquartered in Bainbridge, GA, United States.
When was First Port City Bank founded?
It was established in 1974, per the FDIC institution directory.
Is First Port City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Port City Bank?
First Port City Bank's primary federal regulator is the FDIC.
What is First Port City Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Port City Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Port City Bank's Texas Ratio?
Its Texas Ratio is 7.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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