Compared with Georgia
3 of 14
compared fees are above the median.
5 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
54th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Georgia median
of 14 compared; 5 below, 6 about the same
See the feesFee schedule read Apr 20, 2026
Call-report figures are for First Port City Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Port City Bank's published fee schedule; Bank Fee Index medians | Current schedule | Apr 20, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (54th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $161K in Q2 2026, 21% above the same quarter a year earlier ($133K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 14 compared published fees sit above the Georgia median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Georgia medians for fees published by banks and credit unions.
OD Protection Transfer
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 18% from Q3 2025 to Q2 2026, to $161K. Its share of revenue, 2.2%, is above the 2.1% median for banks with $300M to $1B in assets.
$161K
First Port City BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
First Port City Bank · $624M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Port City Bank(this institution) | Bainbridge, GA | $624M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| All America Bank | Oklahoma City, OK | $611M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American State Bank | Arp, TX | $638M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrew Johnson Bank | Greeneville, TN | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| AVB Bank | Broken Arrow, OK | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Century Savings Bank | Vineland, NJ | $635M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Claremont Savings Bank | Claremont, NH | $620M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Bank | Boscobel, WI | $634M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Savings Bank | Edgewood, IA | $614M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Crossroads Bank | Wabash, IN | $616M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DeMotte State Bank | Demotte, IN | $622M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Empire State Bank | Staten Island, NY | $618M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Bank Kansas | Salina, KS | $619M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Louisiana | Crowley, LA | $631M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FNBT BANK | Fort Walton Beach, FL | $629M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Haverhill Bank | Haverhill, MA | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heritage Bank | Wood River, NE | $612M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Legends Bank | Linn, MO | $636M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| NBT Financial Bank | Fort Worth, TX | $619M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| NewBank | Flushing, NY | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples Exchange Bank | Winchester, KY | $610M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Phelps County Bank | Rolla, MO | $622M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Quaint Oak Bank | Southampton, PA | $631M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southeastern Bank | Darien, GA | $625M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Carmi | Carmi, IL | $622M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tioga State Bank National Association | Spencer, NY | $625M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7 among 13 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Port City Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for First Port City Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $161K | +$11K | +7.3% |
| Q1 2026 | $150K | +$10K | +7.1% |
| Q4 2025 | $140K | +$4K | +2.9% |
| Q3 2025 | $136K | +$3K | +2.3% |
| Q2 2025 | $133K | −$11K | −7.6% |
| Q1 2025 | $144K | +$14K | +10.8% |
| Q4 2024 | $130K | −$8K | −5.8% |
| Q3 2024 | $138K | −$10K | −6.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, First Port City Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Port City Bank by share.
Amounts from First Port City Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per item
per month
per item
per month
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closed within 90 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee, per month | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account balancing assistance, per hour (1/2 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research, per hour (1/2 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned item fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft protection, per transfer | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replace ATM/debit card, per card | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfer international (outgoing) | $43Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check, per check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment, all items | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter checks, per check ( limit 12 per month) | $0.20Not compared: Monthly charge, not per item | per month | None |
| Collection items, per item | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Internet banking plus bill pay, per month | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Safe deposit box ( 10 X 10), per year | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box ( 3 X 10), per year | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box ( 3 X 5), per year | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box ( 5 X 10), per year | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box ( 5 X 5), per year | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box lost key fee, per box | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishments, per written order | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies, per written order | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax services, per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement reprint (copy), per statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per item
per month
per item
per month
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closed within 90 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee, per month | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account balancing assistance, per hour (1/2 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research, per hour (1/2 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned item fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft protection, per transfer | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replace ATM/debit card, per card | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfer international (outgoing) | $43Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check, per check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment, all items | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter checks, per check ( limit 12 per month) | $0.20Not compared: Monthly charge, not per item | per month | None |
| Collection items, per item | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Internet banking plus bill pay, per month | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposit item return charge, per item (for Business accounts only) | $4 | per item | None |
Account Services | |||
| Safe deposit box ( 10 X 10), per year | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box ( 3 X 10), per year | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box ( 3 X 5), per year | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box ( 5 X 10), per year | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box ( 5 X 5), per year | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe deposit box lost key fee, per box | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishments, per written order | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies, per written order | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax services, per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement reprint (copy), per statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Apr 20, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Port City Bank operates, and what regulators and customers have on file.
Branch footprint
6 offices in 2 states, $557.5M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $340.0M |
| 2 | $217.5M |
Jacksonville, FL
0.2% of bank deposits, #21 of 36, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 52.4% |
| EverBank, National Association | 24.6% |
| Wells Fargo Bank, National Association | 5.2% |
| Truist Bank | 5.1% |
| Ameris Bank | 2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Jacksonville, FL, First Port City Bank holds 0.2% of bank deposits, #21 of 36, with 2 offices.
388 offices of 57 institutions shown.
Showing 388 of 389 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 36 institutions shown. $120.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2019 to 2026
June 2026: 0.2% share, 2 offices, #21 of 36
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2019 to 2026.
Credit unions, reported separately
142 offices of 22 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.