First Guaranty Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 14.95% was up 150bps from the prior quarter. Asset quality shifted last quarter, NPLs fell to 3.05% from 4.28% in the prior period. First Guaranty Bank is an FDIC-insured commercial bank. Profitability runs below industry average: 0.44% ROA, 6.58% ROE, with NIM at 2.45%. First Guaranty's Q2 2026 balance sheet shows $3.9B in assets funded primarily by $3.5B in customer deposits. Capital cushions are healthy: 14.95% CET1, 7.09% Tier 1 leverage. Asset quality is impaired, with nonperforming loans at 3.05%. Its footprint covers 25 branches concentrated in Louisiana.
As of June 30, 2026, First Guaranty Bank reported a CET1 capital ratio of 14.95%, a return on assets of 0.44%, a nonperforming-loan ratio of 3.05%, a Texas ratio of 28.43%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 400 E Thomas St, Hammond, LA 70401
- County
- Tangipahoa
- Metro Area
- Hammond, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 12, 1934
- Offices
- 25 domestic
- Employees (FTE)
- 333
- Domestic deposits
- $3.46B
- Allowance for credit losses
- $34.3M
- Net charge-offs (YTD)
- $11.7M
- Average total assets
- $3.90B
- Average total loans
- $1.79B
- Average interest-bearing deposits
- $3.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 12, 1934
- FDIC Cert
- 14028
- Fed RSSD
- 422433
- SEC CIK
- 1408534 → filed by FIRST GUARANTY BANCSHARES, INC.
- Website
- www.fgb.net →
- Parent Holding Company
- FIRST GUARANTY BANCSHARES, INC. (RSSD 3589560) · FGBI
- Ultimate Parent
- SMITH & HOOD HOLDING COMPANY, L.L.C. (RSSD 4991076)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Mineer Michael Ray | CEO | Chief Executive Officer |
| Dosch Eric | CFO | SVP and CFO |
| Barnett Amanda Wood | GC | General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Guaranty Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Guaranty Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Guaranty Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Guaranty Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.95% | 0.44% | 3.05% | 28.43% | 2.45% |
| Q1 2026 | 13.45% | 0.32% | 4.28% | 37.48% | 2.13% |
| Q4 2025 | 12.24% | 0.33% | 4.23% | 40.86% | 2.20% |
| Q3 2025 | 11.09% | -4.57% | 5.79% | 42.00% | 2.47% |
| Q2 2025 | 11.78% | -0.63% | 5.72% | 42.24% | 2.47% |
| Q1 2025 | 11.49% | -0.52% | 6.03% | 45.46% | 2.46% |
| Q4 2024 | 11.00% | 0.24% | 4.10% | 37.11% | 2.49% |
| Q3 2024 | 10.63% | 0.33% | 2.48% | 21.42% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 30 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Guaranty Bank (main office) | Hammond , LA | 70401 | $1.64B |
| Benton Branch | Benton , LA | 71006 | $216.2M |
| Ponchatoula Branch | Ponchatoula , LA | 70454 | $213.8M |
| Amite Branch | Amite , LA | 70422 | $177.7M |
| Tunica Branch | Marksville , LA | 71351 | $115.3M |
| Abbeville Branch | Abbeville , LA | 70510 | $113.8M |
| Homer Branch | Homer , LA | 71040 | $92.8M |
| Greensburg Branch | Greensburg , LA | 70441 | $77.7M |
| Denton Branch | Denton , TX | 76201 | $73.7M |
| Waco Branch | Waco , TX | 76712 | $72.9M |
| Garland Branch | Garland , TX | 75040 | $70.8M |
| Vanceburg Branch | Vanceburg , KY | 41179 | $65.1M |
| Denham Springs Branch | Denham Springs , LA | 70726 | $50.3M |
| Kentwood Branch | Kentwood , LA | 70444 | $49.6M |
| Walker Branch | Walker , LA | 70785 | $49.2M |
| Dubach Branch | Dubach , LA | 71235 | $45.2M |
| Guaranty West Branch | Hammond , LA | 70401 | $38.9M |
| Independence Branch | Independence , LA | 70443 | $36.3M |
| Jennings Branch | Jennings , LA | 70546 | $32.6M |
| Vivian Branch | Vivian , LA | 71082 | $28.8M |
| Fort Worth Branch | Fort Worth , TX | 76118 | $27.4M |
| First Guaranty Bank, Bridgeport, Wv Branch | Bridgeport , WV | 26330 | $25.9M |
| Oil City Branch | Oil City , LA | 71061 | $24.0M |
| Alexandria Branch | Alexandria , LA | 71301 | $23.1M |
| Bossier City Branch | Bossier City , LA | 71111 | $22.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 8, 2019 | Structure Change | Acquired The Union Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 2017 | Structure Change | Acquired Synergy Bank, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Bank of Greensburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2007 | Structure Change | Acquired Homestead Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 2001 | Structure Change | Acquired First Woodlands Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 22, 1999 | Structure Change | Acquired First Southwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Guaranty Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (SEC Form 8-K)
- August 7, 2026, SEC Form 8-K: 8-K Item 8.01: consent order
- August 7, 2026, SEC Form 8-K: 8-K Item 9.01: consent order
- Period: Most recent institution action August 7, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.3% of deposits in LA, rank 8 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Guaranty Bank
What are First Guaranty Bank's total assets?
As of the Q2 2026 filing, First Guaranty Bank reported total assets of $3.89 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Guaranty Bank headquartered?
First Guaranty Bank is headquartered in Hammond, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Guaranty Bank founded?
First Guaranty Bank was established in 1934, per the FDIC institution directory.
Is First Guaranty Bank FDIC-insured?
Yes. First Guaranty Bank is an FDIC-insured commercial bank (FDIC Certificate #14028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Guaranty Bank?
First Guaranty Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Guaranty Bank's CET1 capital ratio?
First Guaranty Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Guaranty Bank operate?
First Guaranty Bank operates 25 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Guaranty Bank's Texas Ratio?
First Guaranty Bank's Texas Ratio is 28.43% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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