First Port City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Port City Bank of Bainbridge, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.54% | 1.34% | +0.20% | 66th above |
| ROAE | 15.57% | 13.31% | +2.26% | 69th above |
| Net Interest Margin | 4.59% | 3.93% | +0.66% | 82nd top |
| Efficiency Ratio | 55.99% | 61.14% | -5.15% | 66th above |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 76th top |
| Yield on Earning Assets | 6.68% | 5.67% | +1.01% | 91st top |
| Cost of Funds | 2.25% | 1.88% | +0.37% | 24th bottom |
| Net Interest Spread | 3.92% | 3.32% | +0.60% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.09% | 0.94% | +0.15% | 26th below |
| NPA / Total Assets | 0.90% | 0.70% | +0.20% | 23rd bottom |
| NCO / Avg Loans | 0.19% | 0.16% | +0.03% | 13th bottom |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) | 120.04% | 1539.61% | -1419.57% | 33rd below |
| Texas Ratio | 8.30% | 7.33% | +0.97% | 27th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 154.55% | 1396.63% | -1242.08% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.64% | 19.51% | -5.87% | 35th below |
| Tier 1 Ratio | 13.64% | 19.54% | -5.90% | 35th below |
| Total Capital Ratio | 14.89% | 20.63% | -5.74% | 37th below |
| Leverage Ratio | 10.49% | 12.14% | -1.65% | 42nd below |
| Equity / Assets | 9.87% | 11.38% | -1.51% | 42nd below |
| TCE / Tangible Assets | 9.87% | 11.09% | -1.22% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.77% | 80.63% | +7.14% | 33rd below |
| Core Deposit Ratio | 92.06% | 86.86% | +5.20% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.47% | 6.85% | +0.62% | 72nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.14% | 7.90% | -1.76% | 55th above |
| Deposit Growth (Y/Y) | 6.44% | 6.29% | +0.15% | 67th above |
See First Port City Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Port City Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Port City Bank profile, how to read a UBPR, or how this data updates.