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First Port City Bank
Bainbridge, GA · FDIC Certificate #21784 · Chartered 10/0
Total assets
$623.94M
Total deposits
$557.52M
Total equity
$61.56M
Net loans
$482.94M
Branches (offices)
6
Net income (YTD)
$4.71M
Rank: #1,512 of 4,213 U.S. banks by assets · #27 of 123 in Georgia. Assets changed 7.5% and deposits 6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 15.80% |
| Net interest margin (YTD) | 4.66% |
| Equity to assets | 9.87% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 34.9% |
| Noncurrent loans (share of loans) | 1.04% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 86.6% |
| Real estate loans (share of loans) | 90.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $435.14M | 90.1% | |
| Commercial & industrial | $28.20M | 5.8% | |
| Consumer / individual | $6.16M | 1.3% | |
| Construction & development | $64.98M | 13.5% | |
| Agricultural | $20.17M | 4.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $408.53M | $377.95M | $1.45M | $28.56M |
| Jun 2023 | $436.56M | $392.99M | $1.85M | $40.82M |
| Jun 2024 | $547.72M | $498.17M | $2.66M | $45.76M |
| Jun 2025 | $580.56M | $523.77M | $4.02M | $52.74M |
| Jun 2026 | $623.94M | $557.52M | $4.71M | $61.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $340.01M | 4 |
| Florida | $217.51M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $557.52M.
Similar-sized banks
Liberty National Bank ($624.38M) · South Story Bank & Trust ($623.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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