# FIRST PORT CITY BANK
BAINBRIDGE, GA · FDIC certificate 21784 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $623.9M | |
| Deposits | $557.5M | |
| Loans and leases | $489.3M | |
| Total equity | $61.6M | |
| Loans / deposits | 86.62% (p63 of band) | 82.04% |
| Liquid assets / assets | 18.65% (p28 of band) | |
| Uninsured deposits / deposits | 34.88% (p79 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -5.41% (p60 of band) | -8.10% |
| AOCI / equity | -0.34% (p50 of band) | |
| ROA (annualized) | 1.56% (p68 of band) | 1.28% |
| Net interest margin | 4.66% (p86 of band) | 3.91% |
| Efficiency ratio | 55.83% (p33 of band) | |
| Noncurrent loans | 1.04% (p74 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p80 of band) | |
| Reserve coverage of noncurrent | 125.81% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 105.56% (p88 of band) | |
| Auto loans | $1.2M (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 94 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | construction >100% equity |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 1 |  | construction >100% equity |
| 2024-09 | 1 | construction >100% equity | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-08 [$150K contribution will bring upgraded nurse call systems to Memorial Hospital and Manor - WCTV](https://news.google.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?oc=5) · WCTV
- 2026-04-15 [Rodeo days arrive next weekend - The Donalsonville News](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSXk0ZEwxUnQxS1dNcThaOVRvRE1rV0g1ekc5d2VhUll1cllSUGxOUHhxelQ4a1RYLWRxTmo1ZW5kZVRqaXJVSmpPMEJNQmoybkd6cWhqWHlCUkFqOEV2aXExU09XdmFNeVlPem4wSVdGYU9hMmNXZl9IMDJhTkJYVXhB?oc=5) · The Donalsonville News
- 2024-01-31 [Getting To Know Our Community- Scott Ewing - The Post-Searchlight](https://news.google.com/rss/articles/CBMijAFBVV95cUxQVDZZQ1M0XzBFc3MyTlNYcE5EYjRNLXNFNWlUbXJwRVZDZ3Fta0FUMmxkSEZnUEV4UjdKeG04LUVId2pCVGdVVHN3eS0ybVdpRVFyNzAxU0dIMXBFazRvVldJYjY1RzZiVXpEMnhUTlVhZnBLU21xYmZubENsa0tOWU1JOXpxc0VGaVdzZA?oc=5) · The Post-Searchlight
- 2023-05-10 [First Port City Bank donates $10,000 to Donalsonville Hospital through Georgia HEART - The Donalsonville News](https://news.google.com/rss/articles/CBMixwFBVV95cUxNRkhJYmRQS3BtRG1uUTdhVVBXSy1vQzdyNUpScU5NTXIzLUhKQ0xkdDIxSTVOQXphY0RvR3dTeGpjdWg0T2Z6ZUdBN0FEOUNnR2UyRmNoZ216QzR5d2NMSFZUaklSVDVJcGpHVG1LVy1QZlFpLUx6OHgzUVF2LTBGOVZSUkFSVFhkV0Y4RUp3NlFaWUJfZW52R0RQSldGTXE0SDg3c1RwVmlhSmxobGViUnBIbkJrMUJaaHhiMVJzeGdXNHFRQzlF?oc=5) · The Donalsonville News
- 2020-05-19 [Steve Penza Joins First Port City Bank's Government Guaranteed Lending Division - PR Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxPMFF2a1dzM1liY2FfN1ViSlZ6MElhQlZpUVB1aHlLdnBwaWFkMHFhMUYwWlBfcFVaLVpuSHZabmFEQzlfZXJJcXJONzRMeFlDcFFxWnZlbnBsSG9DWmRTUkRWUGNIUjNDRk8zRkYyUl9fbU90REdKN19WdGN2cklpbUhITTBiMHJzd3VCdmktRmdyUjUxNklqMkxIdkpUN3FvNHJHdUE1QVQ0bUtqZUg1Z1A5Mmh4azJfYUlqUGg2Z2JWM0FEUG9ETU8xNFpIc2M?oc=5) · PR Newswire
- 2023-03-21 [First Port City Bank becomes a $5,000 Stewards of Lake Seminole supporter - The Donalsonville News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOM0NNRXM0dUx6VW9TMlRucURDaEFSVjdmSnF0NkF0Wmp3a2hjOGY0RU9yOVpwbXhFdHhsRGc2amxoRXN4SldrS1pYYXVyaUlVZmdocFBTWlpRQ3lhTkJzbEFNOXNhNHZmUUVNbHg0RnREWkI3cDVOSzRKM1JLRWI1OTNvdjRvU2VnTWRVU2VFbUdWbzJQeFRITmtnYUlWWUJuYTd1NklrdWZqWFNOYWJjbnEzV1NZZnRS?oc=5) · The Donalsonville News
- 2026-04-24 [It’s time to rodeo! - The Donalsonville News](https://news.google.com/rss/articles/CBMic0FVX3lxTE5wb3V4cEdDZk55VmU1aDBpaFB1czNLaXVhdDBfNUdicGtUSThIZXpEMnRGaWtta1pYa1VfaXdNX3VMM3ZBenljeTdGWTBudU5URlZ5a1h4OTE0VGxQY0NCR0lhZ1pLNUhUYW5RbXRYakJhR2M?oc=5) · The Donalsonville News
- 2025-04-24 [It’s time to rodeo! - The Donalsonville News](https://news.google.com/rss/articles/CBMic0FVX3lxTE1TWnVzeUJqd0tpMTZ5Wm53Yi02V0V2bkt3dFh2dW1XQk9MUTBvMDdZVnpqY1Y4V09MMndrVTRZM3dLdldJY0tac3FhckVNT0F0QlJkX3NMeW11dU8zZmM2eGQ3cXdoUVlkbWlWQkVZSUNCWlk?oc=5) · The Donalsonville News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21784 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "21784", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide