What is First Port City Bank's financial health grade?

First Port City Bank has a TFS Financial Health Grade of C+ (score: 79.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Port City Bank have?

First Port City Bank has 6 branch locations across the United States.

Is First Port City Bank FDIC insured?

Yes, First Port City Bank is FDIC insured (Certificate #21784).

What are the total assets of First Port City Bank?

First Port City Bank has total assets of $582.9M as reported in its most recent FDIC filing.

First Port City Bank

BankBainbridge, Georgia

www.firstportcity.com

Total Assets

$582.9M

Total Deposits

$521.3M

Branches

Established

1974

TFS Health Grade

C+

79.0 / 100

Average financial health

How we grade

First Port City Bank is a bank headquartered in Bainbridge, Georgia, established in 1974. With $582.9M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C+ (79.0/100).

Capital & Safety

Tier 1 Capital Ratio

10.48%(8%)

Total Capital Ratio

14.74%(10%)

Non-Performing Loan Ratio

0.56%

Profitability

Return on Assets (ROA)

1.47%(1%)

Return on Equity (ROE)

15.88%(10%)

Net Interest Margin

4.61%

Efficiency Ratio

56.88%(60%)

Lending & Liquidity

Total Loans

$469.8M

Loan-to-Deposit Ratio

88.90%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+4.31%

Deposit Growth (YoY)

+2.89%

Net Income

$8.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Port City BankHQ	400 W Shotwell St	Bainbridge	GA	11
First Port City Bank	1890 S 14th St	Fernandina Beach	FL	11
First Port City Bank	463781 State Road 200	Yulee	FL	11
First Port City Bank	1410 Tallahassee Hwy	Bainbridge	GA	11
First Port City Bank	1705 E Shotwell St	Bainbridge	GA	23
First Port City Bank	208 E 3rd St	Donalsonville	GA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.