Bank · FDIC insured
First Port City Bank
A $623.9M bank headquartered in Bainbridge, GA, with 6 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—1.00%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Port City Bank
- Headquarters
- 400 W Shotwell St, Bainbridge, GA 39819
- FDIC certificate
- 21784 ↗
Branches
6 branches in 2 states
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Georgia
4 branches
Bainbridge area · 3
- First Port City BankMain office400 W Shotwell St, Bainbridge, GA 39819Directions
- Eastside Express Drive Thru Branch1705 E Shotwell St, Bainbridge, GA 39819Directions
- Southside Branch1410 Tallahassee Hwy, Bainbridge, GA 39819Directions
Donalsonville area · 1
- Donalsonville Branch208 E 3rd St, Donalsonville, GA 39845Directions
Florida
2 branches
- Fernandina Beach Branch1890 S 14th St, Fernandina Beach, FL 32034Directions
- Yulee Branch463781 State Road 200, Yulee, FL 32097Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.49% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.04% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.56% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio10.49%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.04%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.56%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Port City Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.