$465M
+1.8%y/y
Percentile by value73rd percentileby value
FDIC
LNLSGRFP
First Port City Bank
Bainbridge, GeorgiaFDIC Cert #21784
STATEEstablished 19746 branches
Holding company: PORT CITY HOLDING CO INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $118M |
| Investor CRE | $49.3M |
| Multifamily | $10.3M |
| Construction | $66.1M |
| 1–4 family | $152M |
| C&I | $26.1M |
| Agriculture | $35.5M |
| Other | $6.99M |
Loan book
Reported balances and balance-sheet intensity.
$459M
+1.7%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET+1.68%
−89.1%y/y
Percentile by value27th percentileby value
FDIC
LNLSNET85.4%
−3.8%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET + DEP76.4%
−4.8%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET + ASSET93.31%
+0.2%y/y
Percentile by value76th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
186%
−2.2%y/y
Percentile by value57th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC98%
+13.3%y/y
Percentile by value90th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,118points
−1.8%y/y
Peer standing52nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD25.46%
−7.3%y/y
Percentile by value93rd percentileby value
FDIC
LNRENROW + LNLSGR10.61%
−1.1%y/y
Percentile by value38th percentileby value
FDIC
LNRENROT + LNLSGR5.62%
−10.6%y/y
Percentile by value25th percentileby value
FDIC
LNCI + LNLSGR