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 | |