Total Assets
$4.1B
Total balance-sheet footings
FDIC Cert #14028 · Hammond, Louisiana · Est. 1934
First Guaranty Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $4.1B
- Total assets
- C
- Health grade · Fair
- -1.33%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
First Guaranty Bank earns a PlainBankData health grade of C (53/100), with well-capitalized at 12.24% Tier 1, -1.33% ROA, 68% efficiency ratio.
- #336
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 12.24%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Guaranty Bank's 53/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Guaranty Bank's composite health score
Tier 1 Capital Ratio (12.24%) 35/40
Return on Assets (ROA) (-1.33%) 0/25
Texas Ratio (19.82%) 10/20
Efficiency Ratio (68.03%) 8/15
53 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.6B
Customer-funded liabilities
Net Loans
$2.0B
Outstanding loan book
Net Income
$-52,240K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Guaranty Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Guaranty Bank's score of 53/100 falls in the highlighted band.
First Guaranty Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Guaranty Bank's $4.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.24%
Texas Ratio
19.82%
Equity Capital
$264M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.33%
Return on Equity (ROE)
-18.10%
Efficiency Ratio
68.03%
What the numbers say about First Guaranty Bank
First Guaranty Bank is an FDIC-insured institution (Certificate #14028) headquartered in Hammond, Louisiana, established in 1934. It holds $4.1B in total assets - 336th of 4,313 FDIC-insured banks, $3.6B in customer deposits, and $2.0B in net loans. On safety, its Tier 1 capital ratio of 12.24% is above the 10% well-capitalized threshold, and its Texas Ratio of 19.82% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (53/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First Guaranty Bank's asset base places it among the largest FDIC-insured institutions in the country, 336th of 4,313 nationally, and 3rd of 106 banks headquartered in Louisiana. Only b1BANK ($8.2B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$213M
Interest Income
$8M
Non-Interest Income
$81M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Guaranty Bank reports a Texas Ratio of 19.82% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
19.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Guaranty Bank
First Guaranty Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-52,240K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Guaranty Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Guaranty Bank (FDIC Cert #14028) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
| BOM BankNatchitoches | $1.5B | B | 1.24% |
Frequently asked questions
What is First Guaranty Bank's health grade?▼
First Guaranty Bank receives a health grade of C (53/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Guaranty Bank?▼
First Guaranty Bank holds $4.1B in total assets and $3.6B in deposits, ranking 336th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hammond, Louisiana.
Is my money safe at First Guaranty Bank?▼
Yes, deposits at First Guaranty Bank (Certificate #14028) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Guaranty Bank's Tier 1 Capital Ratio?▼
First Guaranty Bank has a Tier 1 Capital Ratio of 12.24%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Guaranty Bank?▼
First Guaranty Bank has a Texas Ratio of 19.82%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Guaranty Bank?▼
First Guaranty Bank has an Efficiency Ratio of 68.03%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Guaranty Bank's profile as a depositor or analyst.
- First Guaranty Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Guaranty Bank against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.