What are the current interest rates at First Port City Bank?

Current rates for First Port City Bank include: Savings: 1.00%

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First Port City Bank

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First Port City Bank Rates & Review September 2026

Q: How many branches does First Port City Bank operate?

First Port City Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Port City Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Port City Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

First Port City Bank's savings rates are at 1.00%. MonitorBankRates evaluates the financial stability of First Port City Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.77%. Rates last updated and verified on 09/19/2026.

First Port City Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Port City Bank? Share your experience about First Port City Bank by leaving a review below, or read customer reviews before you decide to use First Port City Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.77%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First Port City Bank

400 W Shotwell St
Bainbridge, GA 39819

https://www.firstportcity.com

First Port City Bank Savings Rates

Product	Rate	APY
Port City High Interest Savings	1.00%	1.00%
Min Deposit $100 Details Balance: 0 - $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%
Port City High Interest Savings	1.00%	1.00%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%
Port City Savings	-	1.00%
Min Deposit $100 Details No monthly maintenance fees; No minimum balance to earn rewards; Free digital banking Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%
Port City Savings	-	1.00%
Details Qualifications Required; Daily Balances in your Port City Savings earn an interest rate of 1.00% resulting in an APY of 1.00%. Rates may change at any time, at our discretion. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%

First Port City Bank Checking Rates

Product	Rate	APY
Port City Rewards Interest Checking	3.93%	4.00%
Min Deposit $100 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%
Port City Rewards Interest Checking	3.93%	4.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01 - $25,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%
Port City Rewards Checking	2.50%	2.50%
Min Deposit $100 Details Qualifications Required: 10 PIN-Based or Signature-Based Debit Card Purchases Per Month; Enrolled in and Agree to Receive E-Statements; 2.50% Cash Rewards up to a total of $320.00 Pin-Based or Signature-Based Debit Card Purchases up to a maximum of $8.00 per Monthly Qualification Cycle. Reimbursements up to an aggregate total of $25.00 for ATM withdrawal fees incurred within your account during that Monthly Qualification Cycle. Rates may change at any time, at our discretion. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%
Port City Rewards Interest Checking	1.00%	1.60%
Min Deposit $100 Min Balance $25,000 Details Qualifications Required: 10 PIN-Based or Signature-Based Debit Card Purchases Per Month; Enrolled in and Agree to Receive E-Statements; Daily balances up to and including $25,000.00 earn an interest rate of 3.93% resulting in an APY of 4.00%; and daily balances over $25,000 earn an interest rate of 1.00% on the portion of the daily balance over $25,000.00, resulting in a range from 4.00% to 1.60% APY depending on the account's daily balance. Reimbursements up to an aggregate total of $25.00 for ATM withdrawal fees incurred within your account during that Monthly Qualification Cycle. Rates may change at any time, at our discretion. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%
Port City Rewards Interest Checking	1.00%	1.60%
Min Balance $25,000 Details Qualifications Required: 10 PIN-Based or Signature-Based Debit Card Purchases Per Month; Enrolled in and Agree to Receive E-Statements; Rewards When Monthly Qualifications Are Met: Daily balances up to and including $25,000.00 in your PC Rewards Account earn an interest rate of 3.93% resulting in an APY* of 4.00%; and daily balances over $25,000 earn an interest rate of 1.00% on the portion of the daily balance over $25,000.00, resulting in a range from 4.00% to 1.60% APY depending on the account's daily balance. Reimbursements up to an aggregate total of $25.00 for ATM withdrawal fees incurred within your account during that Monthly Qualification Cycle Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%
Port City Rewards Interest Checking	0.05%	0.05%
Min Deposit $100 Details All balances if qualifications not met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Port City Bank’s Texas Ratio rose from 0.86% in Q3 2023 to 8.77% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$624M	8.77%	5.0	A
March 31, 2026	$601M	4.20%	5.0	A+
December 31, 2025	$583M	5.39%	5.0	A+
September 30, 2025	$574M	6.28%	5.0	A
June 30, 2025	$581M	6.72%	5.0	A
March 31, 2025	$562M	6.80%	5.0	A
December 31, 2024	$559M	7.54%	5.0	A
September 30, 2024	$553M	7.84%	5.0	A
June 30, 2024	$548M	8.71%	5.0	A
March 31, 2024	$520M	2.00%	5.0	A+
December 31, 2023	$485M	2.16%	5.0	A+
September 30, 2023	$468M	0.86%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Port City Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Port City Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Port City Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Port City Bank

Bank Holding Company PORT CITY HOLDING CO INC

Address 400 W Shotwell St, Bainbridge, GA 39819 · Decatur

Website https://www.firstportcity.com

FDIC Certificate # 21784

Established 19741007

FDIC Insurance Date 19741007

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5639%

Return on Equity (ROE) 15.8000%

Non-Performing Loans (NPL) 0.82%

Total Assets $623,944,000

Total Deposits $557,520,000

Equity Capital $61,556,000

Net Income $4,711,000

Headquarters Bainbridge

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Port City Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About First Port City Bank

How many branches does First Port City Bank operate?

First Port City Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Port City Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Port City Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Port City Bank offer online and mobile banking?

Most modern institutions like First Port City Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstportcity.com.