First Guaranty Bank
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Data as of · sourced from FFIEC call reports. How we update
First Guaranty Bank is an FDIC-insured commercial bank headquartered in Hammond, LA, established in 1934 (FDIC certificate 14028), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.89B, down 1.9% from Q2 2025, the 3rd largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 14.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14028
- Headquarters
- Hammond, LA
- Established
- 1934
- Total assets, Q2 2026
- $3.89B
- Assets vs Q2 2025
- -1.9%
- CET1 ratio, Q2 2026
- 14.95%
- Domestic offices
- 30 FDIC institution directory, current count
- Routing number
- 065404340
- Latest call report
- Q2 2026, FFIEC 041 · First Guaranty Bank call report
- Holding company
- FIRST GUARANTY BANCSHARES, INC.
- Asset rank in state
- 3rd of 102 in Louisiana
First Guaranty Bank spends more to run itself than most banks of its size. The Hammond, Louisiana bank had $3.9 billion in assets at June 30, 2026, down 1.9% from a year earlier. It earns about $0.44 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.45 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 2.10% of loans from 4.82%. The balance sheet shrank over the year: over the year loans fell 26.8% and deposits fell 0.6%. Funding is the softer spot: it pays an average of 3.15% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
As of June 30, 2026, First Guaranty Bank reported a CET1 capital ratio of 14.95%, a return on assets of 0.44%, a nonperforming-loan ratio of 2.30% and a Texas ratio of 22.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Guaranty Bank is the 3rd largest of the 102 banks headquartered in Louisiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.6% to $3.89B, loans fell 8.3% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 29.5% of total loans, followed by 1-4 family residential loans at 23.8%. Its 30 offices in the FDIC Summary of Deposits are in 28 cities across 4 states; its Hammond 2 offices book 49% of its branch deposits. Judged on its Q2 2026 call report, First Guaranty Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 E Thomas St, Hammond, LA 70401
- County
- Tangipahoa
- Metro Area
- Hammond, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 12, 1934
- Domestic offices
- 30 FDIC institution directory, current count
- Employees (FTE)
- 333
- Domestic deposits
- $3.46B
- Allowance for credit losses
- $34.3M
- Net charge-offs (YTD)
- $11.7M
- Average total assets
- $3.90B
- Average total loans
- $1.79B
- Average interest-bearing deposits
- $3.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 12, 1934
- FDIC Cert
- 14028
- Fed RSSD
- 422433
- SEC CIK
- 1408534 → filed by FIRST GUARANTY BANCSHARES, INC.
- Website
- www.fgb.net →
- Parent Holding Company
- FIRST GUARANTY BANCSHARES, INC. (RSSD 3589560) · FGBI
- Ultimate Parent
- SMITH & HOOD HOLDING COMPANY, L.L.C. (RSSD 4991076)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Mineer Michael Ray | CEO | Chief Executive Officer |
| Eric Dosch | CFO | SVP and CFO |
| Barnett Amanda Wood | GC | General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Guaranty Bank's total assets ran between $3.42B (Q3 2023) and $4.08B (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.89B total assets against $3.97B; $3.63B total liabilities against $3.67B.
$1.73B net loans and leases against $2.35B; $3.46B total deposits against $3.48B.
$1.21B securities against $720.3M; $781.8M cash and balances due against $715.1M.
$51.3M total interest income against $54.2M; $28.2M total interest expense against $30.8M.
$23.1M net interest income against $23.4M.
$1.8M total noninterest income against $2.1M; $16.8M total noninterest expense against $16.9M.
$2.6M provision for credit losses against $16.6M.
$4.3M net income against -$6.1M.
0.44% return on assets against -0.63%; 2.45% net interest margin against 2.47%.
14.95% CET1 capital ratio against 11.78%; 7.09% tier 1 leverage ratio against 7.65%.
Inside the full First Guaranty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Guaranty Bank rankings
Its closest position to the top of a national ranking is 121 of 3,640, for Texas Ratio; its furthest is 3,298 of 3,611, for ROA.
Metric pages for First Guaranty Bank: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -4.57% (Q3 2025) to 0.44% (Q2 2026) and its net interest margin ran from 2.13% (Q1 2026) to 2.69% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.95% | 0.44% | 2.30% | 22.73% | 2.45% |
| Q1 2026 | 13.45% | 0.32% | 2.84% | 26.70% | 2.13% |
| Q4 2025 | 12.24% | 0.33% | 2.92% | 30.14% | 2.20% |
| Q3 2025 | 11.09% | -4.57% | 5.01% | 35.64% | 2.47% |
| Q2 2025 | 11.78% | -0.63% | 4.96% | 35.91% | 2.47% |
| Q1 2025 | 11.49% | -0.52% | 5.32% | 39.07% | 2.46% |
| Q4 2024 | 11.00% | 0.24% | 4.46% | 35.47% | 2.49% |
| Q3 2024 | 10.63% | 0.33% | 2.38% | 19.88% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 30 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Guaranty Bank (main office) | Hammond , LA | 70401 | $1.64B |
| Benton Branch | Benton , LA | 71006 | $216.2M |
| Ponchatoula Branch | Ponchatoula , LA | 70454 | $213.8M |
| Amite Branch | Amite , LA | 70422 | $177.7M |
| Tunica Branch | Marksville , LA | 71351 | $115.3M |
| Abbeville Branch | Abbeville , LA | 70510 | $113.8M |
| Homer Branch | Homer , LA | 71040 | $92.8M |
| Greensburg Branch | Greensburg , LA | 70441 | $77.7M |
| Denton Branch | Denton , TX | 76201 | $73.7M |
| Waco Branch | Waco , TX | 76712 | $72.9M |
| Garland Branch | Garland , TX | 75040 | $70.8M |
| Vanceburg Branch | Vanceburg , KY | 41179 | $65.1M |
| Denham Springs Branch | Denham Springs , LA | 70726 | $50.3M |
| Kentwood Branch | Kentwood , LA | 70444 | $49.6M |
| Walker Branch | Walker , LA | 70785 | $49.2M |
| Dubach Branch | Dubach , LA | 71235 | $45.2M |
| Guaranty West Branch | Hammond , LA | 70401 | $38.9M |
| Independence Branch | Independence , LA | 70443 | $36.3M |
| Jennings Branch | Jennings , LA | 70546 | $32.6M |
| Vivian Branch | Vivian , LA | 71082 | $28.8M |
| Fort Worth Branch | Fort Worth , TX | 76118 | $27.4M |
| First Guaranty Bank, Bridgeport, Wv Branch | Bridgeport , WV | 26330 | $25.9M |
| Oil City Branch | Oil City , LA | 71061 | $24.0M |
| Alexandria Branch | Alexandria , LA | 71301 | $23.1M |
| Bossier City Branch | Bossier City , LA | 71111 | $22.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 8, 2019 | Structure Change | Acquired The Union Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 2017 | Structure Change | Acquired Synergy Bank, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Bank of Greensburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2007 | Structure Change | Acquired Homestead Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 2001 | Structure Change | Acquired First Woodlands Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 22, 1999 | Structure Change | Acquired First Southwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (SEC Form 8-K)
- August 7, 2026, SEC Form 8-K: 8-K Item 8.01: consent order
- August 7, 2026, SEC Form 8-K: 8-K Item 9.01: consent order
- Period: Most recent institution action August 7, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.3% of deposits in LA, rank 8 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $718K approved, $239K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Guaranty Bank
What are First Guaranty Bank's total assets?
As of the Q2 2026 filing, First Guaranty Bank reported total assets of $3.89 billion in its FFIEC call report.
Where is First Guaranty Bank headquartered?
It is headquartered in Hammond, LA, United States.
When was First Guaranty Bank founded?
It was established in 1934, per the FDIC institution directory.
Is First Guaranty Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Guaranty Bank?
First Guaranty Bank's primary federal regulator is the FDIC.
What is First Guaranty Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Guaranty Bank operate?
It operates 30 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Guaranty Bank's Texas Ratio?
Its Texas Ratio is 22.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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