BanksFIRST GUARANTY BANK

FIRST GUARANTY BANK

HAMMOND, LALargeEst. March 12, 1934, midnightFDIC #14028RSSD #422433FDIC
Latest · 2025-12-31

FIRST GUARANTY BANK is an 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%. CET1 capital ratio: 12.24%, well above regulatory minimums. NPL ratio: 2.88% · Texas Ratio: 31.08%. Operates 30 domestic branches.

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 Margin2.33%
Yield on Assets5.63%
Cost of Funds3.29%

Asset Quality

NPL Ratio2.88%
Net Charge-Off Ratio3.69%
Texas Ratio31.08%
NPA Ratio2.32%
ACL / Loans1.97%

Capital & Liquidity

CET1 Ratio12.24%
Tier 1 Capital12.24%
Total Capital Ratio13.48%
Leverage Ratio6.90%
Loan-to-Deposit56.91%

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