First Guaranty Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 29.62 percentage points lower than in Q1 2026, at 237.86%. Within Louisiana, First Guaranty Bank is 92nd of 103 on loan-to-deposit ratio, 50.95% as of Q2 2026, below the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.77B |
| Net loans and leases | $1.73B |
| Loans held for sale | $0 |
| Loans to total assets | 45.35% |
| Loan-to-deposit ratio | 50.95% |
| Net loans to equity capital | 6.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.66% |
| Multifamily (5+ residential) | 4.85% |
| Commercial and industrial | 7.35% |
| Consumer | 0.90% |
| Credit cards | 0.13% |
| Farm | 1.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.86% |
| Construction concentration (Tier 1 capital + allowance) | 31.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.14% |
| Interest income on loans | $31.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.70B | $2.82B | 38.88% | 13.10% | 1.44% |
| Q4 2023 | $2.75B | $3.02B | 37.93% | 12.15% | 1.36% |
| Q1 2024 | $2.75B | $3.07B | 41.07% | 10.63% | 1.20% |
| Q2 2024 | $2.83B | $3.05B | 40.97% | 10.58% | 1.10% |
| Q3 2024 | $2.77B | $3.44B | 41.95% | 9.88% | 1.05% |
| Q4 2024 | $2.69B | $3.48B | 42.92% | 9.53% | 0.98% |
| Q1 2025 | $2.51B | $3.34B | 44.33% | 9.31% | 0.97% |
| Q2 2025 | $2.41B | $3.48B | 43.54% | 9.85% | 0.91% |
| Q3 2025 | $2.28B | $3.36B | 43.88% | 8.47% | 0.88% |
| Q4 2025 | $2.07B | $3.64B | 45.69% | 9.41% | 0.90% |
| Q1 2026 | $1.92B | $3.51B | 45.54% | 6.47% | 0.88% |
| Q2 2026 | $1.77B | $3.46B | 44.66% | 7.35% | 0.90% |
First Guaranty Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Guaranty Bank, freeSource: Call Report Schedule RC-C, 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)