PORT CITY HOLDING CO INC is the parent banking group. FIRST PORT CITY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

PORT CITY HOLDING CO INC

Legal name: PORT CITY HOLDING COMPANY, INC.

1 active bank · $601M combined assets

RSSD ID: 1082601 (FFIEC NIC)

Combined Assets

$601M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST PORT CITY BANKBAINBRIDGE, GASatisfactory$601MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$601M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$537M

Net Income

$2M

ROA (avg)

1.59%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

119

Origination Rate

81.51%

Denial Rate

8.4%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST PORT CITY BANK	BAINBRIDGE, GA	FDIC	$601M	100.0%	Satisfactory	Jan 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.