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First Port City Bank

$100M-$1B Specialty: Commercial GA FDIC cert 21784

Bainbridge, GA

6 branches across GA · FL

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

First Port City Bank shows strong momentum with 4 strengths and 6.8% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.32% above tier average
  • + Net Interest Margin 0.75% above tier average
  • + Efficiency Ratio 9.76% below tier average
  • + Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Port City Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $600.6M
+6.8% YoY +3.0% QoQ
+$214.5M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
81%
Total Loans ? $458.6M
+1.7% YoY -1.1% QoQ
+$202.9M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
Top 14.8% in tier
Total Deposits ? $536.9M
+5.7% YoY +3.0% QoQ
+$209.0M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
83%
Return on Assets ? 1.59%
+15.7% YoY +8.2% QoQ
+0.32% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
72%
Net Interest Margin ? 4.68%
+8.6% YoY +1.6% QoQ
+0.75% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
Top 13.4% in tier
Efficiency Ratio ? 55.53%
-5.4% YoY -2.4% QoQ
-9.76% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
72%
Delinquency Rate ? 0.48%
-37.1% YoY -15.8% QoQ
-0.41% 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
46%
Loan-to-Deposit Ratio ? 85.41%
-3.8% YoY -3.9% QoQ
+8.78% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
34%
Non-Interest-Bearing Deposit Share ? 19.83%
+6.2% YoY -6.3% QoQ
-2.19% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
44%
Nonperforming Asset Ratio ? 0.42%
-32.0% YoY -22.0% QoQ
-0.22% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
42%
Tier 1 Capital Ratio ? 13.96%
+12.6% YoY +3.5% QoQ
-1.87% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.13%
-23.8% YoY -76.3% QoQ
-0.15% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
66%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

358
Net Interest Margin
profitability
Value: 4.68%
Peer Median: 3.93%
#358 of 2664 Top 13.4% in $100M-$1B
396
Total Loans
size
Value: $458.61M
Peer Median: $255.72M
#396 of 2664 Top 14.8% in $100M-$1B
461
Total Deposits
size
Value: $536.93M
Peer Median: $327.97M
#461 of 2664 Top 17.3% in $100M-$1B
520
Total Assets
size
Value: $600.58M
Peer Median: $386.08M
#520 of 2664 Top 19.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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