FIRST GUARANTY BANK

HAMMOND, LA | Large | Est. March 12, 1934, midnight | FDIC #14028 | RSSD #422433 | FDIC
Latest Report: 2025-12-31

FIRST GUARANTY BANK is aln large FDIC-insured commercial bank headquartered in HAMMOND, LA, established in March 12, 1934, midnight. As of 2025-12-31, the bank reported total assets of $4.1B and total deposits of $3.6B. Profitability stands at 0.33% ROA and 4.98% ROE, with a net interest margin of 2.33%. The bank's CET1 capital ratio is 12.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.88% and a Texas Ratio of 31.08%. FDIC Certificate #14028.

Assets

$4.1B

Deposits

$3.6B

Loans

$2.1B

Equity

$264M

Profitability

Return on Assets (ROA) 0.33%
Return on Equity (ROE) 4.98%
Net Interest Margin (NIM) 2.33%
Yield on Assets 5.63%
Cost of Funds 4.64%

Asset Quality

NPL Ratio 2.88%
Net Charge-Off Ratio 3.69%
Texas Ratio 31.08%
NPA Ratio 2.32%
ACL / Loans 1.97%

Capital & Liquidity

CET1 Ratio 12.24%
Tier 1 Capital 12.24%
Total Capital Ratio 13.48%
Leverage Ratio 6.90%
Loan-to-Deposit 56.91%

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