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Lender record

First Port City Bank

The real lending record — every figure from funded deals. HQ: 400 W Shotwell St, Bainbridge, GA. 6 branches.

First Port City Bank banner

70

Recent deals (FY20+)

$789K

Typical deal

38 days

Approval → funding

0%

Failure rate (FY20–23)

Where First Port City Bank lends

Deals First Port City Bank funded — list all 70 as text

Deal profile

Most First Port City Bank deals land between $365K and $1.2M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Hotels (except Casino Hotels) and Motels (9)
  2. 2.Postharvest Crop Activities (except Cotton Ginning) (5)
  3. 3.Child Day Care Services (5)
  4. 4.Limited-Service Restaurants (4)
  5. 5.Pharmacies and Drug Stores (4)
  6. 6.Child Care Services (3)
  7. 7.Snack and Nonalcoholic Beverage Bars (3)
  8. 8.Supermarkets and Other Grocery Retailers (except Convenience (2)

Most active states

  1. 1.Florida (32 deals)
  2. 2.Georgia (30 deals)
  3. 3.North Carolina (5 deals)
  4. 4.Alabama (2 deals)
  5. 5.Mississippi (1 deals)

Franchises they finance most

ELLIANOS COFFEE COMPANY

3 deals

Baymont by Wyndham aka Baymont Inn & Suites

3 deals

Quality Inn by Choice Hotels /Quality Inn & Suites by Choice

2 deals

Huey Magoo's Chicken Tenders

1 deals

Jimmy John's

1 deals

Can First Port City Bank fund you? The bank behind the loans

Total assets

$600.6M

▲ 3% vs prior quarter

Deposits on hand

$536.9M

▲ 3% vs prior quarter

Loans outstanding

$458.6M

▼ 1.1% vs prior quarter

Net income (latest qtr)

$2.4M

  • •An active SBA program (~1.2% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes First Port City Bank more SBA-focused than 81% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.59% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a First Port City Bank branch (6)

First Port City BankMain office400 W Shotwell StBainbridge, GA 39819 · since 1974

Southside Branch1410 Tallahassee HwyBainbridge, GA 39819 · since 2005

Yulee Branch463781 State Road 200Yulee, FL 32097 · since 2019

Fernandina Beach Branch1890 S 14th StFernandina Beach, FL 32034 · since 2019

Donalsonville Branch208 E 3rd StDonalsonville, GA 39845 · since 2021

Eastside Express Drive Thru Branch1705 E Shotwell StBainbridge, GA 39819 · since 2025 · limited service

Branch data: FDIC BankFind.

Recent deals

  • Omkar QSR LLC in Macon, GA — $2.6M (2026) · Limited-Service Restaurants
  • Abdou Enterprises II, LLC in Bethlehem, GA — $1.8M (2026) · Limited-Service Restaurants
  • Shree Hari Om Hotels LLC in Greensboro, GA — $4.7M (2025) · purchase · Hotels (except Casino Hotels) and Motels
  • Fort Valley Supermarket LLC in Fort Valley, GA — $2.9M (2025) · Supermarkets and Other Grocery Retailers (except Convenience
  • Amelia Island Restaurant Group in Fernandina Beach, FL — $2.6M (2025) · Full-Service Restaurants
  • Barakha Enterprises #3 LLC in Calhoun, GA — $1.2M (2025) · Supermarkets and Other Grocery Retailers (except Convenience
  • Hutmacher Enterprises Inc in Murphy, NC — $1.1M (2025) · purchase · All Other Home Furnishings Retailers
  • D AND G 2024 INC in Demorest, GA — $1.1M (2025) · Gasoline Stations with Convenience Stores
  • JJPM Property Management LLC in Valdosta, GA — $490K (2025) · Offices of Real Estate Agents and Brokers
  • The Movement Lab Chiropractic, LLC in Braselton, GA — $485K (2025) · Offices of Chiropractors

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses First Port City Bank financed

59 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with First Port City Bank.

Agent summary

This page summarizes First Port City Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 70 SBA 7(a) loans on record
  • $789K typical deal
  • 13 business-acquisition loans
  • HQ: 400 W Shotwell St, Bainbridge, GA
  • 6 FDIC branch locations
  • FDIC total assets $600.6M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/first-port-city-bank
API:
https://www.capbench.com/api/public/lenders/first-port-city-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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