First Guaranty Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 30.8% lower than in Q1 2026, at -$17.5M. First Guaranty Bank ranks 30th of 46 Louisiana banks on CET1 ratio, in the lower half at 14.95% (Q2 2026). First Guaranty Bank reported 14.95% on CET1 ratio for Q2 2026, 1.47 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.95% |
| Tier 1 risk-based capital ratio | 14.95% |
| Total risk-based capital ratio | 16.21% |
| Tier 1 leverage ratio | 7.09% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $276.8M |
| Tier 1 capital | $276.8M |
| Total risk-based capital | $300.1M |
| Total equity capital | $261.4M |
| Risk-weighted assets | $1.85B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.72% |
| Tangible equity to tangible assets | 6.67% |
| Equity capital to average assets | 6.69% |
| Internal capital growth rate | 6.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.6M |
| Common stock surplus | $228.6M |
| Retained earnings | $44.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.79% | 9.79% | 10.72% | 8.94% | $3.00B |
| Q4 2023 | 10.31% | 10.31% | 11.20% | 8.94% | $2.95B |
| Q1 2024 | 10.40% | 10.40% | 11.39% | 8.64% | $2.92B |
| Q2 2024 | 10.35% | 10.35% | 11.28% | 8.61% | $2.96B |
| Q3 2024 | 10.63% | 10.63% | 11.66% | 8.32% | $2.90B |
| Q4 2024 | 11.00% | 11.00% | 12.11% | 7.82% | $2.83B |
| Q1 2025 | 11.49% | 11.49% | 12.74% | 7.73% | $2.65B |
| Q2 2025 | 11.78% | 11.78% | 13.03% | 7.65% | $2.53B |
| Q3 2025 | 11.09% | 11.09% | 12.34% | 6.92% | $2.41B |
| Q4 2025 | 12.24% | 12.24% | 13.48% | 6.90% | $2.21B |
| Q1 2026 | 13.45% | 13.45% | 14.71% | 6.52% | $2.02B |
| Q2 2026 | 14.95% | 14.95% | 16.21% | 7.09% | $1.85B |
First Guaranty Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Guaranty Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14028) · FFIEC NIC profile (RSSD 422433)