Lenders › First Port City Bank
7(a) lenderBainbridge, GeorgiaFDIC-insured bank451st of 2,184 by approvals
First Port City Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
First Port City Bank (Bainbridge, Georgia) is an FDIC-insured bank in the SBA 7(a) program, 451st of 2,184 by approvals in FY2021 to FY2025: 59 loans worth $60.5M.
In FY2025, the latest complete fiscal year, it had 11 approvals totalling $15.5M, about level with FY2024 (11). FY2026 to 30 Jun 2026 adds 4 more.
The median approval was $740K, against $190K for the 7(a) program as a whole; 10.2% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 4 states and territories and 35 counties, led by Florida (45.8%), Georgia (44.1%) and North Carolina (6.8%). The largest industry group was accommodation and food services at 28.8% of approvals, and 25.4% of approvals were to franchise businesses.
First Port City Bank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 4 | $6.6M | $1.5M | $1.6M | 49 |
| FY2025 | 11 | $15.5M | $1.1M | $1.4M | 98 |
| FY2024 | 11 | $5.4M | $514K | $492K | 70 |
| FY2023 | 7 | $8.1M | $1.0M | $1.2M | 94 |
| FY2022 | 10 | $8.5M | $761K | $852K | 75 |
| FY2021 | 20 | $22.9M | $826K | $1.1M | 276 |
| FY2020 | 9 | $6.7M | $853K | $742K | 154 |
| FY2019 | 2 | — | — | — | 37 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 0 | — | — | — | 0 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 11 approvals. First approval on file: FY2011.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Florida | 7(a) program |
|---|---|---|---|
| Approvals in these years | 32 | 31,863 | 639,905 |
| Cancelled or never disbursed | 3 | 3,596 | 79,313 |
| Disbursed loans | 29 | 28,267 | 560,592 |
| Paid in full | 12 | 20,064 | 435,813 |
| Charged off | 0 | 2,783 | 36,891 |
| Still outstanding (status exempt from disclosure) | 17 | 5,420 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 9.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 3.1% | 2.5% |
| Dollars charged off | — | $442M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $740K | $190K |
| Average approval | $1.0M | $518K |
| Approvals of $150,000 or less | 10.2% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 45.8% | 34.3% |
| Approvals to franchise businesses | 25.4% | 11.5% |
| Jobs supported per approval, as reported | 10.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (4 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida | 27 | $25.5M | 45.8% | |
| 2 | Georgia | 26 | $25.9M | 44.1% | |
| 3 | North Carolina | 4 | $7.3M | 6.8% | |
| 4 | Alabama | 2 | — | 3.4% |
In Florida the lender accounts for 0.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (35 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Nassau County, FL | 10 | $7.5M | 16.9% | |
| 2 | Toombs County, GA | 5 | $1.4M | 8.5% | |
| 3 | Lee County, GA | 3 | $2.0M | 5.1% | |
| 4 | Duval County, FL | 3 | $1.7M | 5.1% | |
| 5 | Marion County, FL | 2 | — | 3.4% | |
| 6 | Lowndes County, GA | 2 | — | 3.4% | |
| 7 | Ben Hill County, GA | 2 | — | 3.4% | |
| 8 | Houston County, AL | 2 | — | 3.4% | |
| 9 | Gordon County, GA | 2 | — | 3.4% | |
| 10 | Fulton County, GA | 2 | — | 3.4% | |
| 11 | Hall County, GA | 2 | — | 3.4% | |
| 12 | Buncombe County, NC | 1 | — | 1.7% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 17 | 28.8% | |
| 2 | Health Care and Social Assistance | 12 | 20.3% | |
| 3 | Retail Trade | 12 | 20.3% | |
| 4 | Agriculture, Forestry, Fishing and Hunting | 6 | 10.2% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 3 | 5.1% | |
| 6 | Other Services (except Public Administration) | 3 | 5.1% | |
| 7 | Real Estate and Rental and Leasing | 2 | 3.4% | |
| 8 | Manufacturing | 1 | 1.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 8 | 13.6% | |
| 2 | Child Day Care ServicesNAICS 6244 | 6 | 10.2% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 10.2% | |
| 4 | Grocery StoresNAICS 4451 | 5 | 8.5% | |
| 5 | Support Activities for Crop ProductionNAICS 1151 | 5 | 8.5% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 4 | 6.8% | |
| 7 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 3.4% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.4% | |
| 9 | Offices of Real Estate Agents and BrokersNAICS 5312 | 2 | 3.4% | |
| 10 | Health and Personal Care StoresNAICS 4461 | 2 | 3.4% |
Approval sizes
- $50,000 or less3.4%2
- $50,001 to $150,0006.8%4
- $150,001 to $350,00015.3%9
- $350,001 to $1 million39.0%23
- $1 million to $2 million22.0%13
- Over $2 million13.6%8
Loan terms
- Over 5 to 10 years25.4%15
- Over 10 to 20 years15.3%9
- Over 20 years59.3%35
Age of the businesses
- Existing, more than 2 years old32.2%19
- New business, 2 years or less18.6%11
- Startup, loan funds will open the business27.1%16
- Change of ownership22.0%13
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 51 | 86.4% | |
| 2 | SBA Express Program | 7 | 11.9% | |
| 3 | 7a General | 1 | 1.7% |
Franchise share
15 of 59 approvals in FY2021–FY2025 (25.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Baymont by Wyndham | 3 | 5.1% | |
| 2 | Quality Inn | 2 | 3.4% | |
| 3 | Ellianos Coffee Company | 2 | 3.4% | |
| 4 | Fletcher Oil Company | 1 | 1.7% | |
| 5 | WaveMAX Laundry | 1 | 1.7% | |
| 6 | Jones Petroleum Company, Inc. | 1 | 1.7% | |
| 7 | ServiceMaster | 1 | 1.7% | |
| 8 | The UPS Store | 1 | 1.7% |
Questions and answers
How many SBA loans does First Port City Bank make?
SBA approved 11 7(a) loans through First Port City Bank in FY2025, worth $15.5M, and 59 over FY2021 to FY2025. That ranks 451st of 2,184 active 7(a) lenders by number of approvals.
How large are First Port City Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $740K and the average $1.0M. The program-wide median was $190K.
What is First Port City Bank's charge-off rate?
First Port City Bank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does First Port City Bank lend to most?
By number of approvals in FY2021 to FY2025: traveler accommodation (8); child day care services (6); restaurants and other eating places (6); grocery stores (5).
Where does First Port City Bank make SBA loans?
In 4 states and territories. Florida 27, Georgia 26, North Carolina 4, Alabama 2. In Florida it accounts for 0.1% of all 7(a) approvals.
Is First Port City Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 29, against 39 in the three before: falling (-26%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error