First Guaranty Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits dropped 4.19 percentage points in Q2 2026, from 57.51% to 53.32%. It was the largest change from Q1 2026 among the key lines here. First Guaranty Bank ranks 92nd of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 50.95% (Q2 2026). First Guaranty Bank reported 50.95% on loan-to-deposit ratio for Q2 2026, 37.25 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $781.8M |
| Cash and noninterest-bearing balances to assets | 20.07% |
| Cash and securities | $2.00B |
| Fed funds sold and reverse repos | $546K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.2M |
| Other borrowed money | $135.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.95% |
| Net loans and leases to deposits | 49.96% |
| Loans and leases to core deposits | 53.32% |
| Core deposits to total deposits | 63.64% |
| Brokered deposits to total deposits | 31.90% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 95.81% | 87.20% | $7.7M | $280.0M |
| Q4 2023 | 91.08% | 85.15% | $6.3M | $205.0M |
| Q1 2024 | 89.64% | 84.93% | $6.8M | $155.0M |
| Q2 2024 | 92.89% | 85.72% | $7.0M | $215.0M |
| Q3 2024 | 80.62% | 74.85% | $7.0M | $135.0M |
| Q4 2024 | 77.43% | 72.15% | $7.0M | $135.0M |
| Q1 2025 | 75.20% | 72.58% | $7.1M | $135.0M |
| Q2 2025 | 69.17% | 73.88% | $7.1M | $135.0M |
| Q3 2025 | 67.89% | 73.08% | $7.1M | $135.0M |
| Q4 2025 | 56.91% | 61.18% | $7.1M | $135.0M |
| Q1 2026 | 54.80% | 63.23% | $7.1M | $135.0M |
| Q2 2026 | 50.95% | 63.64% | $7.2M | $135.0M |
First Guaranty Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Guaranty Bank, freeSource: Call Report Schedules RC and RC-M, 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)