First Port City Bank
Bainbridge, GA
IDRSSD: 262237
Total Assets
$573.71M
Latest filing
Total Deposits
$514.32M
Latest filing
Net Interest Margin
4.62%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Port City Bank
400 W Shotwell St
Bainbridge, GA 39819
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/07/1974FDIC Certificate 15088
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Port City Bank (Main) | 400 W Shotwell St | Bainbridge, GA |
| SOUTHSIDE BRANCH | 1410 Tallahassee Hwy | Bainbridge, GA |
| YULEE BRANCH | 463781 State Road 200 | Yulee, FL |
| FERNANDINA BEACH BRANCH | 1890 S 14th St | Fernandina Beach, FL |
| DONALSONVILLE BRANCH | 208 E 3rd St | Donalsonville, GA |
| EASTSIDE EXPRESS DRIVE THRU BRANCH | 1705 E Shotwell St | Bainbridge, GA |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/07/1974 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39819 |
| State and County Number | 13087 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Bainbridge, GA |
Operational Info
| Number of Employees | 86 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/07/1974 |
| Primary Insurance Agency | DIF |
| Website | www.firstportcity.com |
| Data Updated | 11/14/2025 |
| CERT | 21784 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $573.71M |
| Total Deposits | $514.32M |
| Total Liabilities | $518.60M |
| Total Equity Capital | $55.12M |
| Net Income | $2.19M |
| Net Loans and Leases | $461.09M |
| Assets Per Employee ($Millions) | $6.59M |
| Bank Premises and Fixed Assets | $8.29M |
| Cash and Balances due from Depository Institutions | $44.74M |
| Deposits Held in Domestic Offices | $514.32M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 16.23% |
| Net Interest Margin | 4.62% |
| Efficiency Ratio | 57.68% |
| Tier 1 Risk-Based Capital Ratio | 13% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.607% |
| Earning Assets to total Assets | 94.2% |
Income and Expense
| Total Interest Income | $9.61M |
| Total Noninterest Income | $873.00k |
| Total Interest Expense | $3.34M |
| Total Noninterest Expense | $4.12M |
| Net Interest Income | $6.27M |
| Pre-tax Net Operating Income | $2.84M |
| Provision for Credit Losses | $180.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $302.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.28M |
| Total Liabilities and Capital | $573.71M |
Securities
| Securities | $43.55M |
| Available-for-sale debt securities | $43.55M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Port City Bank?
$573.71M as of the latest filing.
How much are First Port City Bank's total deposits?
$514.32M in total deposits.
Where is First Port City Bank located?
Bainbridge, GA.
What is the Net Interest Margin?
4.62%.
How many domestic offices does it operate?
5.
When was it established?
10/07/1974.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$461.09M (latest filing).
What is the total interest income (latest filing)?
$9.61M.