BlastPoint's Banking Scorecard

First Port City Bank

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

Bainbridge, GA

6 branches across GA · FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits +6.4% year over year ($557.5M on the books).
Delinquency rate 1.05%.
Return on assets 1.56%.
Efficiency ratio 55.83% vs a 64.48% peer average.
Loan-to-deposit ratio 86.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

First Port City Bank has 3 strengths but faces 1 concern

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 0.24% above tier average
+ Net Interest Margin 0.67% above tier average
+ Efficiency Ratio 8.65% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 40.3% in tier

Get updates when First Port City Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$623.9M +7.5% YoY +3.9% QoQ	+$237.4M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$482.9M +6.1% YoY +5.3% QoQ	+$224.6M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	Top 13.2% in tier
Total Deposits ?	$557.5M +6.4% YoY +3.8% QoQ	+$230.8M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	1.56% +10.4% YoY -1.8% QoQ	+0.24%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	4.66% +7.5% YoY -0.5% QoQ	+0.67%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	55.83% -3.8% YoY +0.5% QoQ	-8.65%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	1.05% +48.0% YoY +119.8% QoQ	+0.14%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	86.62% -0.3% YoY +1.4% QoQ	+8.67%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	17.61% -1.4% YoY -11.2% QoQ	-4.42%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.86% +41.6% YoY +107.5% QoQ	+0.20%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	13.64% +6.2% YoY -2.3% QoQ	-2.27%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.22% -27.0% YoY +70.3% QoQ	-0.35%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	56%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	17.6% -0.3pp YoY -2.2pp QoQ	-4.5pp	22.1%	26.2%	22.2%	34%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	5.8% -0.3pp YoY +0.1pp QoQ	-5.7pp	11.6%	9.7%	12.5%	25%
CRE	54.5% +2.1pp YoY +1.3pp QoQ	+15.0pp	39.5%	48.9%	41.4%	77%
1-4 Family	30.6% -3.2pp YoY -2.6pp QoQ	-2.1pp	32.6%	31.7%	31.3%	52%
Consumer	1.3% -0.2pp YoY 0.0pp QoQ	-2.8pp	4.1%	4.8%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	13.6% +0.8pp YoY -0.3pp QoQ	-5.2pp	18.8%	20.9%	19.7%	35%
Leverage Ratio	10.5% +0.7pp YoY +0.1pp QoQ	-1.7pp	12.2%	14.0%	12.6%	41%
Total Capital Ratio	14.9% +0.8pp YoY -0.3pp QoQ	-5.0pp	19.9%	22.1%	20.8%	37%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	94 +8 (+9.3%) YoY +5 (+5.6%) QoQ	+35	58	98	482	84%
Assets per Employee ($)	$6.6M -1.7% YoY -1.6% QoQ	-$881K	$7.5M	$7.5M	$8.8M	45%
Branch Count	6 +1 (+20.0%) YoY 0 QoQ	+1	4	6	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	1.1% +0.3pp YoY +0.6pp QoQ	+0.1pp	0.9%	0.8%	1.0%	73%
Allowance Coverage	1.26x -31.4% YoY -57.0% QoQ	-22.90x	24.15x	38.10x	20.23x	34%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	15.8% -0.1pp YoY -0.3pp QoQ	+3.6pp	12.2%	13.6%	11.6%	72%
Cost of Funds (YTD)	2.1% -0.4pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	77%
Net Income ($, YTD)	$4.7M +17.2% YoY — QoQ	+$2.2M	$2.6M	$6.6M	$40.4M	86%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Risk Growth

risk

#378 of 936 • Bottom 40.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

349

Total Loans

size

Value: $482.94M

Peer Median: $258.35M

#349 of 2643 Top 13.2% in $100M-$1B

409

Total Deposits

size

Value: $557.52M

Peer Median: $326.73M

#409 of 2643 Top 15.4% in $100M-$1B

411

Net Interest Margin

profitability

Value: 4.66%

Peer Median: 3.99%

#411 of 2643 Top 15.5% in $100M-$1B

471

Total Assets

size

Value: $623.94M

Peer Median: $386.57M

#471 of 2643 Top 17.8% in $100M-$1B

Top Weaknesses (1 metrics)

2010

Nonperforming Asset Ratio

credit_quality

Value: 0.86%

Peer Median: 0.67%

#2010 of 2643 Bottom 24.0% in $100M-$1B