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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 14028 · LA C · 53/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (53/100)
  • BOTTOM-DECILE #4067/4307
  • PHOTO-FINISH Grand Rapids State B… · MN
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-HEALTHY 19.8% Texas
  • ROA-LOSS -1.33% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Grand Rapids State Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Guaranty Bank

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100EagleBank · MD · near53/100First Guaranty Bank · LA · t…53/100Grand Rapids State B… · MN ·…53/100Pathfinder Bank · NY · near53/100Generations Bank · NE · near52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Guaranty Bank · July 2026

What First Guaranty Bank's Call Report plate shows

First Guaranty Bank (FDIC Cert #14028) carries a PlainBankData health grade of C at 53/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,067 of 4,307. Tier 1 capital prints at 12.24%, clearing the 10% well-capitalized line. The Texas Ratio is 19.82%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.33%. Balance-sheet scale is $4.1B, 336th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Grand Rapids State Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Guaranty Bank

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

First Guaranty Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Guaranty Bank remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

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.

0/100100/100National avg77/10053/100
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 Assets

$4.1B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.84% 12.24% 13.64%
Basel III capital ratios - First Guaranty Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

53 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Guaranty Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for First Guaranty Bank

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

What these ratios mean →

Profitability metrics: First Guaranty Bank

Return on Assets (ROA)
2nd percentile nationally
-1.33%
Return on Equity (ROE)
-18.10%
Efficiency Ratio
68.03%

What these mean →

Income & expense: loss period at First Guaranty Bank

$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.

FDIC Failed Bank List → View First Guaranty Bank on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.1B here), outside Louisiana so the neighborhood is not state containment.

First Business Bank $4.1B · WI Sunwest Bank $4.1B · UT United Community Bank $4.1B · IL RCB Bank $4.1B · OK

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.

First Guaranty Bank Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
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%