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First Guaranty Bank
Hammond, LA · FDIC Certificate #14028 · Chartered 03/1
Total assets
$3.89B
Total deposits
$3.46B
Total equity
$261.38M
Net loans
$1.73B
Branches (offices)
30
Net income (YTD)
$7.67M
Rank: #341 of 4,213 U.S. banks by assets · #3 of 103 in Louisiana. Assets changed -1.9% and deposits -0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.39% |
| Return on equity | 5.85% |
| Net interest margin (YTD) | 2.36% |
| Equity to assets | 6.72% |
| Tier 1 leverage ratio | 7.09% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 2.30% |
| Net charge-offs (share of loans) | 1.22% |
| Loans to deposits | 50.0% |
| Real estate loans (share of loans) | 82.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.43B | 82.4% | |
| Commercial & industrial | $130.02M | 7.5% | |
| Consumer / individual | $15.97M | 0.9% | |
| Construction & development | $99.00M | 5.7% | |
| Agricultural | $42.86M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.96B | $2.67B | $17.16M | $276.58M |
| Jun 2023 | $3.23B | $2.77B | $9.13M | $289.80M |
| Jun 2024 | $3.61B | $3.05B | $11.94M | $306.48M |
| Jun 2025 | $3.97B | $3.48B | -$11.28M | $301.94M |
| Jun 2026 | $3.89B | $3.46B | $7.67M | $261.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $3.11B | 23 |
| Texas | $258.71M | 5 |
| Kentucky | $65.14M | 1 |
| West Virginia | $25.94M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.46B.
Similar-sized banks
Sumitomo Mitsui Trust Bank (U.S.A.) Limited ($3.92B) · Carrollton Bank ($3.88B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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