First Guaranty Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 17.09 percentage points higher than in Q1 2026, at 63.81%. First Guaranty Bank ranks 89th of 103 Louisiana banks on return on assets, in the lower half at 0.44% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, First Guaranty Bank reported 0.44% on return on assets in Q2 2026, 0.84 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.95% |
| Tier 1 risk-based capital ratio | 14.95% |
| Total risk-based capital ratio | 16.21% |
| Tier 1 leverage ratio | 7.09% |
| Equity capital to assets | 6.72% |
| Tangible equity to tangible assets | 6.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.05% |
| Non-performing assets ratio | 2.14% |
| Net charge-off ratio | 1.52% |
| Texas ratio | 28.43% |
| Allowance for credit losses to loans | 1.94% |
| Reserve coverage of non-performing loans | 63.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 6.58% |
| Net interest margin | 2.45% |
| Efficiency ratio | 66.77% |
| Yield on earning assets | 5.45% |
| Cost of funds | 3.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.95% |
| Core deposits to total deposits | 63.64% |
| Brokered deposits to total deposits | 31.90% |
| Deposits to assets | 89.01% |
| Securities to assets | 31.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.79% | 9.79% | 10.72% | 8.94% | 0.36% |
| Q4 2023 | 10.31% | 10.31% | 11.20% | 8.94% | 0.28% |
| Q1 2024 | 10.40% | 10.40% | 11.39% | 8.64% | 0.39% |
| Q2 2024 | 10.35% | 10.35% | 11.28% | 8.61% | 0.96% |
| Q3 2024 | 10.63% | 10.63% | 11.66% | 8.32% | 0.33% |
| Q4 2024 | 11.00% | 11.00% | 12.11% | 7.82% | 0.24% |
| Q1 2025 | 11.49% | 11.49% | 12.74% | 7.73% | -0.52% |
| Q2 2025 | 11.78% | 11.78% | 13.03% | 7.65% | -0.63% |
| Q3 2025 | 11.09% | 11.09% | 12.34% | 6.92% | -4.57% |
| Q4 2025 | 12.24% | 12.24% | 13.48% | 6.90% | 0.33% |
| Q1 2026 | 13.45% | 13.45% | 14.71% | 6.52% | 0.32% |
| Q2 2026 | 14.95% | 14.95% | 16.21% | 7.09% | 0.44% |
First Guaranty Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Guaranty Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)