Headquartered in Bainbridge, Georgia, First Port City Bank is a state-chartered bank with $623.9M in total assets and $557.5M in deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1974.
Based on its Q2 2026 filing, First Port City Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 97th. Its strongest component is problem-loan coverage (84/100; 7.9%), and its lowest is funding & liquidity (52/100; 87% loans-to-deposits, 35% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 61 |
| Q4 2024 | 61 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 70 |
| Q1 2026 | 72 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.37% |
| Q3 2024 | 9.42% |
| Q4 2024 | 9.41% |
| Q1 2025 | 9.50% |
| Q2 2025 | 9.75% |
| Q3 2025 | 10.04% |
| Q4 2025 | 10.48% |
| Q1 2026 | 10.42% |
| Q2 2026 | 10.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.47% |
| Q2 2026 | 1.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.42% |
| Q3 2025 | 1.45% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $623.9M | 10.49% | 1.04% | 1.56% | 86.6% |
| Q1 2026 | 72 | $600.6M | 10.42% | 0.47% | 1.59% | 85.4% |
| Q4 2025 | 70 | $582.9M | 10.48% | 0.56% | 1.47% | 88.9% |
| Q3 2025 | 67 | $573.7M | 10.04% | 0.68% | 1.45% | 89.7% |
| Q2 2025 | 66 | $580.6M | 9.75% | 0.70% | 1.42% | 86.9% |
| Q1 2025 | 64 | $562.1M | 9.50% | 0.75% | 1.38% | 88.8% |
| Q4 2024 | 61 | $558.8M | 9.41% | 0.82% | 1.06% | 86.8% |
| Q3 2024 | 61 | $553.3M | 9.42% | 0.85% | 1.08% | 88.1% |
| Q2 2024 | 60 | $547.7M | 9.37% | 0.97% | 1.03% | 81.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| Community Bank of Pickens CountyBank Jasper, GA | 73 out of 100, Strong | $628.6M | 13.6% | 1.96% | vs |
| The Citizens Bank of GeorgiaBank Cumming, GA | 85 out of 100, Very strong | $598.5M | 11.5% | 0.00% | vs |
| Guardian BankBank Valdosta, GA | 65 out of 100, Moderate | $597.9M | 11.5% | 1.49% | vs |
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| Pineland BankBank Alma, GA | 75 out of 100, Strong | $597.1M | 10.5% | 0.49% | vs |
Deposit insurance
Is my money safe at First Port City Bank?
Yes. First Port City Bank is an FDIC-insured institution (FDIC certificate #21784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.9% of deposits ($194.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.89% (benchmark: 10%).
6 locations
Branches
First Port City Bank lists 5 offices in 4 cities across 2 states. Most locations:
- Bainbridge, GA (2)
- Donalsonville, GA (1)
- Fernandina Beach, FL (1)
- Yulee, FL (1)
Identity & history
Profile
- Legal name
- First Port City Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21784
- RSSD ID
- 262237
- Primary regulator
- FDIC
- Holding company
- Port City Holding Co Inc
- Established
- October 7, 1974
- Headquarters
- 400 W Shotwell St, Bainbridge, GA 39819
- Website
- www.firstportcity.com
- Employees
- 94
Quick answers
First Port City Bank: common questions
Is First Port City Bank FDIC insured?
Yes. First Port City Bank is an FDIC-insured institution (FDIC certificate #21784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Port City Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Port City Bank ever failed?
There is no failure record for FDIC certificate #21784 in the FDIC failed bank list.
How many branches does First Port City Bank have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Bainbridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |
| Ameris BankBank Atlanta, GA | 67 out of 100, Moderate | $28.4B | 11.4% | 0.57% | vs |