First Port City Bank
Headquartered in BAINBRIDGE, GA. Analysis based on 70 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $71.5M.
Total 7(a) loans
70
Total approved
$71.5M
Average loan
$1.0M
States funded in
5
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
28.26%
Average rate
7.21%
Average term
236 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 9 |
| 624410 | Child Day Care Services | 8 |
| 115114 | Postharvest Crop Activities (except Cotton Ginning) | 5 |
| 722513 | Limited-Service Restaurants | 4 |
| 446110 | Pharmacies and Drug Stores | 4 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 3 |
| 621310 | Offices of Chiropractors | 2 |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 2 |
| 722511 | Full-Service Restaurants | 2 |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 2 |
Top 10 states
| State | Loans |
|---|---|
| FL | 32 |
| GA | 30 |
| NC | 5 |
| AL | 2 |
| MS | 1 |
Top franchise brands financed
20 franchise loans across 15 distinct brands.
| Franchise | Loans |
|---|---|
| Baymont by Wyndham aka Baymont | 3 |
| ELLIANOS COFFEE COMPANY | 3 |
| Quality Inn by Choice Hotels / | 2 |
| Cold Stone Creamery | 1 |
| The UPS Store (f/k/a Mail Box | 1 |
| WaveMAX Laundry | 1 |
| Planet Smoothie | 1 |
| Huey Magoo's Chicken Tenders | 1 |
| Jimmy John's | 1 |
| ServiceMaster | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.