First Guaranty Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Guaranty Bank of Hammond, LA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.44% | 1.46% | -1.02% | 8th bottom |
| ROAE | 6.58% | 12.70% | -6.12% | 14th bottom |
| Net Interest Margin | 2.45% | 3.85% | -1.40% | 4th bottom |
| Efficiency Ratio | 66.77% | 57.39% | +9.38% | 27th below |
| PPNR / Avg Assets | 0.83% | 1.88% | -1.05% | 10th bottom |
| Yield on Earning Assets | 5.45% | 5.72% | -0.27% | 44th below |
| Cost of Funds | 3.15% | 2.01% | +1.14% | 6th bottom |
| Net Interest Spread | 1.94% | 3.18% | -1.24% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.05% | 1.00% | +2.05% | 5th bottom |
| NPA / Total Assets | 2.14% | 0.76% | +1.38% | 6th bottom |
| NCO / Avg Loans | 1.52% | 0.43% | +1.09% | 3rd bottom |
| ACL / Total Loans | 1.94% | 1.31% | +0.63% | 95th top |
| ACL / NPLs (Coverage) | 63.81% | 565.13% | -501.32% | 14th bottom |
| Texas Ratio | 28.43% | 7.36% | +21.07% | 2nd bottom |
| Provision / NCO | 44.85% | 619.57% | -574.72% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.95% | 17.34% | -2.39% | 70th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.95% | 17.37% | -2.42% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.21% | 18.42% | -2.21% | 70th above |
| Leverage Ratio | 7.09% | 11.44% | -4.35% | 1st bottom |
| Equity / Assets | 6.72% | 11.34% | -4.62% | 2nd bottom |
| TCE / Tangible Assets | 6.67% | 10.51% | -3.84% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.95% | 87.01% | -36.06% | 96th top |
| Core Deposit Ratio | 63.64% | 85.59% | -21.95% | 5th bottom |
| Uninsured Deposit Ratio | 25.29% | 33.14% | -7.85% | 71st above |
| Wholesale Funding Ratio | 3.65% | 5.70% | -2.05% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.89% | 9.70% | -11.59% | 9th bottom |
| Loan Growth (Y/Y) | -26.77% | 8.11% | -34.88% | 0th bottom |
| Deposit Growth (Y/Y) | -0.58% | 7.89% | -8.47% | 16th bottom |
See First Guaranty Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Guaranty Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Guaranty Bank profile, how to read a UBPR, or how this data updates.