What is First Guaranty Bank's financial health grade?

First Guaranty Bank has a TFS Financial Health Grade of F (score: 45.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Guaranty Bank have?

First Guaranty Bank has 30 branch locations across the United States.

Is First Guaranty Bank FDIC insured?

Yes, First Guaranty Bank is FDIC insured (Certificate #14028).

What are the total assets of First Guaranty Bank?

First Guaranty Bank has total assets of $4.1B as reported in its most recent FDIC filing.

First Guaranty Bank

BankHammond, Louisiana

www.fgb.net

Total Assets

$4.1B

Total Deposits

$3.6B

Branches

Established

1934

TFS Health Grade

45.5 / 100

Poor financial health

How we grade

First Guaranty Bank is a bank headquartered in Hammond, Louisiana, established in 1934. With $4.1B in total assets and 30 branch locations, it has a TFS Financial Health Grade of F (45.5/100).

Capital & Safety

Tier 1 Capital Ratio

6.90%(8%)

Total Capital Ratio

13.48%(10%)

Non-Performing Loan Ratio

2.92%

Profitability

Return on Assets (ROA)

-1.33%(1%)

Return on Equity (ROE)

-18.10%(10%)

Net Interest Margin

2.44%

Efficiency Ratio

68.03%(60%)

Lending & Liquidity

Total Loans

$2.1B

Loan-to-Deposit Ratio

55.79%

Net Charge-Off Ratio

3.19%

Growth

Asset Growth (YoY)

+2.65%

Deposit Growth (YoY)

+4.54%

Net Income

$-52,240,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Guaranty BankHQ	400 E Thomas St	Hammond	LA	11
First Guaranty Bank	15 Second St	Vanceburg	KY	11
First Guaranty Bank	799 W Summers Dr	Abbeville	LA	11
First Guaranty Bank	1701 Metro Dr	Alexandria	LA	11
First Guaranty Bank	632 W Oak St	Amite	LA	11
First Guaranty Bank	189 Burt Blvd	Benton	LA	11
First Guaranty Bank	4221 Airline Dr	Bossier City	LA	11
First Guaranty Bank	1110 Shirley Rd	Bunkie	LA	11
First Guaranty Bank	33818 Louisiana Highway 16	Denham Springs	LA	11
First Guaranty Bank	2231 S Range Ave	Denham Springs	LA	11
First Guaranty Bank	117 E Hico St	Dubach	LA	11
First Guaranty Bank	6151 Hwy 10	Greensburg	LA	11
First Guaranty Bank	2111 W Thomas St	Hammond	LA	11
First Guaranty Bank	2705 Main St	Hessmer	LA	11
First Guaranty Bank	401 N 2nd St	Homer	LA	11
First Guaranty Bank	455 W Railroad Ave	Independence	LA	11
First Guaranty Bank	500 Cary Ave	Jennings	LA	11
First Guaranty Bank	301 Avenue F	Kentwood	LA	11
First Guaranty Bank	211 Tunica Dr E	Marksville	LA	11
First Guaranty Bank	10710 Highway 1	Moreauville	LA	11
First Guaranty Bank	126 Highway 1	Oil City	LA	11
First Guaranty Bank	500 W Pine St	Ponchatoula	LA	11
First Guaranty Bank	212 North Pine Street	Vivian	LA	11
First Guaranty Bank	29815 Walker Rd S	Walker	LA	11
First Guaranty Bank	2209 W University Dr	Denton	TX	11
First Guaranty Bank	2001 Handley Ederville Rd	Fort Worth	TX	11
First Guaranty Bank	603 Main St	Garland	TX	11
First Guaranty Bank	8951 Synergy Dr	Mckinney	TX	11
First Guaranty Bank	7600 Woodway Dr	Waco	TX	11
First Guaranty Bank	1000 Jerry Dove Dr., Suite 101	Bridgeport	WV	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.