Bainbridge, GA · Cert 21784 · Port City Holding Co. Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
30
Profitability
82
Liquidity
82
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bainbridge, GA · Cert 21784 · Port City Holding Co. Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Jacksonville, FL · 2026 SOD (annual) · 0.2% share · #21 of 36 inst. · $0.2B of $120.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.06% | 1.38% | 1.42% | 1.45% | 1.47% | 1.59% | 1.56% | +15 bps | |
| Return on Equity | 12.60% | 12.34% | 15.57% | 15.88% | 15.99% | 15.88% | 16.06% | 15.80% | -8 bps | |
| Net Interest Margin | 3.49% | 3.51% | 4.00% | 4.03% | 4.12% | 4.34% | 4.41% | 4.36% | +33 bps | |
| Efficiency Ratio | 64.37% | 65.31% | 58.72% | 58.02% | 57.90% | 56.88% | 55.53% | 55.83% | -219 bps | |
| Non-Interest Burden | 2.06% | 2.13% | 2.07% | 2.08% | 2.13% | 2.23% | 2.22% | 2.24% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.17% | 15.31% | 8.04% | 6.00% | 3.68% | 4.31% | 6.84% | 7.47% | +148 bps | |
| Loan Growth (YoY) | 19.66% | 12.35% | 15.36% | 12.22% | 4.63% | 5.49% | 1.78% | 6.14% | -608 bps | |
| Deposit Growth (YoY) | 17.91% | 15.53% | 7.49% | 5.14% | 2.75% | 2.89% | 5.73% | 6.44% | +130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.82% | 0.75% | 0.70% | 0.68% | 0.56% | 0.47% | 1.04% | +34 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.05% | 0.03% | 0.03% | 0.00% | 0.09% | +4 bps | |
| Allowance / Loans | 1.24% | 1.28% | 1.29% | 1.29% | 1.31% | 1.34% | 1.38% | 1.31% | +2 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.6x | 1.7x | 1.8x | 1.9x | 2.4x | 2.9x | 1.3x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.42% | 9.41% | 9.50% | 9.75% | 10.04% | 10.48% | 10.42% | 10.49% | +75 bps | |
| Total Risk-Based Capital | 13.24% | 13.59% | 13.65% | 14.09% | 14.25% | 14.74% | 15.22% | 14.89% | +80 bps | |
| Equity / Assets | 8.70% | 8.67% | 9.01% | 9.08% | 9.61% | 9.91% | 9.91% | 9.87% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.21% | 87.89% | 89.98% | 88.02% | 90.84% | 90.11% | 86.61% | 87.77% | -25 bps | |
| Liquid Assets / Assets | 5.22% | 6.95% | 6.16% | 7.98% | 6.24% | 7.87% | 11.64% | 10.74% | +276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 422% | 413% | 394% | n/a | n/a | |
Bainbridge, GA · Cert 21784 · Peer group: banks under $1B in assets operating regionally (n=94) · Port City Holding Co. Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.51%
Rank 19 of 94
Net Interest Margin
4.36%
Rank 15 of 94
Efficiency Ratio
55.83%
Rank 22 of 94
Equity / Assets
9.87%
Rank 57 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | 0.82% | 1.19% | 1.46% | Beats 80% | 19 / 94 | ||
| Return on Equity | 15.31% | 7.85% | 11.84% | 14.03% | Beats 83% | 16 / 94 | ||
| Net Interest Margin | 4.36% | 3.42% | 3.81% | 4.18% | Beats 84% | 15 / 94 | ||
| Efficiency Ratio | 55.83% | 55.99% | 62.41% | 73.02% | Beats 78% | 22 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.19% | 0.47% | 1.14% | Beats 29% | 68 / 94 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 31% | 66 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.64% | 10.28% | 11.95% | 15.07% | Beats 63% | 35 / 94 | ||
| Total Risk-Based Capital Ratio | 14.89% | 10.31% | 12.59% | 15.88% | Beats 64% | 34 / 94 | ||
| Equity / Assets | 9.87% | 8.98% | 10.21% | 11.41% | Beats 39% | 57 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.77% | 72.62% | 84.44% | 94.55% | 63rd pctl | 35 / 94 | ||
| Loans / Assets | 78.43% | 62.50% | 72.84% | 78.99% | 70th pctl | 28 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||