First Port City Bank
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
$623.9MAssets
$489.3MLoans
$557.5MDeposits
$61.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 84% of banks under $1B in assets operating regionally (rank 15 of 94).
- Widest gap: nonperforming loans / loans trails 71% of banks under $1B in assets operating regionally (rank 68 of 94).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $13.6M · efficiency ratio beats 78% of banks under $1B in assets operating regionally | 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 |