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BDI
FP

First Port City Bank

Bainbridge, GeorgiaFDIC Cert #21784

STATEEstablished 19746 branches

Holding company: PORT CITY HOLDING CO INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.64%
−15.0%y/y
Peer standing40th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.47%
−37.2%y/y
Peer standing42nd percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.47%
−37.2%y/y
Peer standing47th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.42%
−32.0%y/y
Peer standing43rd percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.5M
−27.3%y/y
Peer standing39th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.00%
−23.9%y/y
Peer standing80th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
−$4K
−33.3%y/y
Peer standing84th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.38%
+7.1%y/y
Percentile by value71st percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$2.99M
−13.5%y/y
Peer standing31st percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$2.2M
−36.1%y/y
Peer standing35th percentile
Peer standing in asset:300m_1b
FDICNAASSET