First Guaranty Bank
Hammond, LA
IDRSSD: 422433
Total Assets
$3.79B
Latest filing
Total Deposits
$3.36B
Latest filing
Net Interest Margin
2.51%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/12/1934 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 70401 |
| State and County Number | 22105 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Hammond, LA |
Operational Info
| Number of Employees | 360 |
| Domestic Offices | 31 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/10/2025 |
| Date of Deposit Insurance | 03/12/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fgb.net |
| Data Updated | 11/14/2025 |
| CERT | 14028 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.79B |
| Total Deposits | $3.36B |
| Total Liabilities | $3.54B |
| Total Equity Capital | $259.57M |
| Net Income | $-44,217,000 |
| Net Loans and Leases | $2.19B |
| Assets Per Employee ($Millions) | $11.19M |
| Bank Premises and Fixed Assets | $59.98M |
| Cash and Balances due from Depository Institutions | $753.88M |
| Deposits Held in Domestic Offices | $3.36B |
Key Performance Ratios
| Return on Assets (ROA) | -4.56% |
| Return on Equity (ROE) | -63% |
| Net Interest Margin | 2.51% |
| Efficiency Ratio | 67.83% |
| Tier 1 Risk-Based Capital Ratio | 11.087% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 4.94% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.84% |
| Earning Assets to total Assets | 95.76% |
Income and Expense
| Total Interest Income | $53.47M |
| Total Noninterest Income | $1.68M |
| Total Interest Expense | $30.35M |
| Total Noninterest Expense | $29.90M |
| Net Interest Income | $23.12M |
| Pre-tax Net Operating Income | $-53,027,000 |
| Provision for Credit Losses | $47.93M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $12.05M |
| Other borrowed funds | $135.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $554.00k |
| Federal Funds Purchased and Repurchased Agreement | $7.12M |
| All Other Liabilities | $35.07M |
| Total Liabilities and Capital | $3.79B |
Securities
| Securities | $697.20M |
| Available-for-sale debt securities | $374.33M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $322.56M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Guaranty Bank?
$3.79B as of the latest filing.
How much are First Guaranty Bank's total deposits?
$3.36B in total deposits.
Where is First Guaranty Bank located?
Hammond, LA.
What is the Net Interest Margin?
2.51%.
How many domestic offices does it operate?
31.
When was it established?
03/12/1934.
What is the Return on Assets (ROA)?
-4.56%.
How much are total loans and leases?
$2.19B (latest filing).
What is the total interest income (latest filing)?
$53.47M.