First Port City Bank (FDIC #21784): Bank Stress & Real-Estate Credit Exposure
First Port City Bank (FDIC Cert #21784): bank stress 60/100, elevated, STABLE over 7 days; parent PORT CITY HOLDING CO INC.
First Port City Bank (#21784) lends in 3 counties across 2 states; First Port City Bank (#21784) reaches 17 ZIP codes: Georgia 2 counties, 11 ZIPs; Florida 1 county, 6 ZIPs.
First Port City Bank (#21784) largest markets: Decatur County, GA (24 branches, 8 ZIPs) (#21784), Nassau County, FL (12 branches, 6 ZIPs) (#21784), Seminole County, GA (4 branches, 4 ZIPs) (#21784).
First Port City Bank (#21784) reports $623.9 million in total assets; First Port City Bank (#21784) equity $61.6 million (9.9% of First Port City Bank (#21784) assets); First Port City Bank (#21784) domestic deposits $557.5 million; First Port City Bank (#21784) net income $4.7 million; First Port City Bank (#21784) return on assets 1.56%; First Port City Bank (#21784) return on equity 15.80%; First Port City Bank (#21784) net interest income $13.3 million; First Port City Bank (#21784) call report June 30, 2026.
First Port City Bank (#21784) noncurrent real-estate loans 0.06% of its book; First Port City Bank (#21784) residential 0.13%; First Port City Bank (#21784) net charge-offs on real estate 1.16%.
First Port City Bank (#21784) net interest margin 4.66% against an eight-quarter First Port City Bank (#21784) average of 4.35% (First Port City Bank (#21784) compression -0.32 points); First Port City Bank (#21784) real-estate loans 5.5% of equity; First Port City Bank (#21784) rate-exposure score 40/100, First Port City Bank (#21784) fixed-rate trap 40/100; First Port City Bank (#21784) risk type credit driven; First Port City Bank (#21784) rate regime rates elevated, First Port City Bank (#21784) snapshot October 20, 2026.
First Port City Bank (#21784) stress score moved from 57.7 on June 22, 2026 to 59.8 on October 20, 2026; First Port City Bank (#21784) ranged 57.7 to 59.8 over 117 snapshots.
First Port City Bank (#21784) alerts: 3 counties; top First Port City Bank (#21784) alert scores: Bainbridge County, GA 19 (low); Donalsonville County, GA 19 (low); Yulee County, GA 19 (low).