First Port City Bank

Headquarters: Bainbridge, Georgia
Charter: Bank
Assets: $623.9M
Fed district: Atlanta
Regulator: FDIC
Holding company: Port City Holding Co Inc.

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Apr 20, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Apr 20, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Port City Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First Port City Bank: $32
First Port City Bank: $32
U.S. median: no median
NSF / Returned Item
First Port City Bank: $32
First Port City Bank: $32
U.S. median: no median
Stop Payment
First Port City Bank: $32
First Port City Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 20, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 18% from Q3 2025 to Q2 2026, to $161K.

Service-charge income, Q2 2026

$161K

$136KQ3 2025

$140KQ4 2025

$150KQ1 2026

$161KQ2 2026

Against the median

First Port City BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$610M to $638M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

First Port City Bank does not publish a monthly maintenance fee in the index.

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.

First Port City BankPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Port City Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $161K
vs prior quarter: +$11K+7.3%; from Q1 2026
vs a year earlier: +$28K+21.1%; from Q2 2025
vs start of range: +$23K+16.7%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: First Port City Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Port City Bank’s own schedules, with a source for each figure.

Account Maintenance

Account closed within 90 days of opening$25
Dormant account fee, per month$5
per month
Account balancing assistance, per hour (1/2 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account research, per hour (1/2 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee$32
Returned item fee$32
Overdraft protection, per transfer$2
per item

ATM & Card

Replace ATM/debit card, per card$6
per item

Wire Transfers

Wire transfer international (outgoing)$43

Check Services

Cashier’s check, per check$5
per item
Stop payment, all items$32
per item
Counter checks, per check ( limit 12 per month)$0.20
Not compared: Monthly charge, not per item
per month
Collection items, per item$20
per item

Digital & Electronic

Internet banking plus bill pay, per monthNo charge
per month

Account Services

Safe deposit box ( 10 X 10), per year$70
per year
Safe deposit box ( 3 X 10), per year$35
per year
Safe deposit box ( 3 X 5), per year$25
per year
Safe deposit box ( 5 X 10), per year$45
per year
Safe deposit box ( 5 X 5), per year$30
per year
Safe deposit box lost key fee, per box$25
Not compared: Box drilling or key fee
Garnishments, per written order$50
Levies, per written order$50

Other Fees

Fax services, per page$1
per item
Statement reprint (copy), per statement$5

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 90 days of opening	$25	Not stated	None
Dormant account fee, per month	$5	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	$32	Not stated	None
Returned item fee	$32	Not stated	None
Overdraft protection, per transfer	$2	per item	None
ATM & Card
Replace ATM/debit card, per card	$6	per item	None
Wire Transfers
Wire transfer international (outgoing)	$43	Not stated	None
Check Services
Cashier’s check, per check	$5	per item	None
Stop payment, all items	$32	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	$20	per item	None
Digital & Electronic
Internet banking plus bill pay, per month	No charge	per month	None
Account Services
Safe deposit box ( 10 X 10), per year	$70	per year	None
Safe deposit box ( 3 X 10), per year	$35	per year	None
Safe deposit box ( 3 X 5), per year	$25	per year	None
Safe deposit box ( 5 X 10), per year	$45	per year	None
Safe deposit box ( 5 X 5), per year	$30	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	$50	Not stated	None
Levies, per written order	$50	Not stated	None
Other Fees
Fax services, per page	$1	per item	None
Statement reprint (copy), per statement	$5	Not stated	None

Account Maintenance

Account closed within 90 days of opening$25
Dormant account fee, per month$5
per month
Account balancing assistance, per hour (1/2 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account research, per hour (1/2 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee$32
Returned item fee$32
Overdraft protection, per transfer$2
per item

ATM & Card

Replace ATM/debit card, per card$6
per item

Wire Transfers

Wire transfer international (outgoing)$43

Check Services

Cashier’s check, per check$5
per item
Stop payment, all items$32
per item
Counter checks, per check ( limit 12 per month)$0.20
Not compared: Monthly charge, not per item
per month
Collection items, per item$20
per item

Digital & Electronic

Internet banking plus bill pay, per monthNo charge
per month

Cash & Deposit

Deposit item return charge, per item (for Business accounts only)$4
per item

Account Services

Safe deposit box ( 10 X 10), per year$70
per year
Safe deposit box ( 3 X 10), per year$35
per year
Safe deposit box ( 3 X 5), per year$25
per year
Safe deposit box ( 5 X 10), per year$45
per year
Safe deposit box ( 5 X 5), per year$30
per year
Safe deposit box lost key fee, per box$25
Not compared: Box drilling or key fee
Garnishments, per written order$50
Levies, per written order$50

Other Fees

Fax services, per page$1
per item
Statement reprint (copy), per statement$5

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 90 days of opening	$25	Not stated	None
Dormant account fee, per month	$5	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	$32	Not stated	None
Returned item fee	$32	Not stated	None
Overdraft protection, per transfer	$2	per item	None
ATM & Card
Replace ATM/debit card, per card	$6	per item	None
Wire Transfers
Wire transfer international (outgoing)	$43	Not stated	None
Check Services
Cashier’s check, per check	$5	per item	None
Stop payment, all items	$32	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	$20	per item	None
Digital & Electronic
Internet banking plus bill pay, per month	No charge	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	$70	per year	None
Safe deposit box ( 3 X 10), per year	$35	per year	None
Safe deposit box ( 3 X 5), per year	$25	per year	None
Safe deposit box ( 5 X 10), per year	$45	per year	None
Safe deposit box ( 5 X 5), per year	$30	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	$50	Not stated	None
Levies, per written order	$50	Not stated	None
Other Fees
Fax services, per page	$1	per item	None
Statement reprint (copy), per statement	$5	Not stated	None

Correct a fee source

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.

Fee change alerts

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