# FIRST GUARANTY BANK
HAMMOND, LA · FDIC certificate 14028 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.89B | |
| Deposits | $3.46B | |
| Loans and leases | $1.77B | |
| Total equity | $261.4M | |
| Loans / deposits | 49.96% (p5 of band) | 87.10% |
| Liquid assets / assets | 51.29% (p95 of band) | |
| Uninsured deposits / deposits | 25.29% (p31 of band) | 30.76% |
| Brokered deposits | 28.40% | |
| Wholesale funding | 32.05% (p96 of band) | |
| FHLB advances / assets | 3.47% | |
| Tier 1 leverage | 7.09% (p1 of band) | 10.50% |
| Unrealized securities loss / equity | -26.58% (p12 of band) | -7.75% |
| AOCI / equity | -3.89% (p1 of band) | |
| ROA (annualized) | 0.39% (p6 of band) | 1.26% |
| Net interest margin | 2.36% (p4 of band) | 3.70% |
| Efficiency ratio | 68.18% (p75 of band) | |
| Noncurrent loans | 2.30% (p93 of band) | 0.51% |
| Net charge-offs (annualized) | 0.59% (p96 of band) | |
| Reserve coverage of noncurrent | 84.49% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 37.88% (p40 of band) | |
| Auto loans | $1.9M (0.11% of loans; DQ 7.07%, NCO 0.00%) | |
| Loans to nondepository financials | $92.6M (35% of equity) (p95 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 333 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 3 | charge-offs p90 |  |
| 2016-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2016-06 | 2 |  | deposits shrinking, assets shrinking |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | uninsured deposits >50% |  |
| 2017-06 | 1 |  | noncurrent p90, uninsured deposits >50% |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, reserve under noncurrent |  |
| 2019-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2019-09 | 0 |  | capital falling, charge-offs p90 |
| 2019-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2020-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | noncurrent p90 |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 0 |  | reserve under noncurrent |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | charge-offs p90 |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling, construction >100% equity | charge-offs p90 |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 4 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 7 | brokered >10%, wholesale funding >15% |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 7 | losing money | construction >100% equity |
| 2025-06 | 7 |  |  |
| 2025-09 | 8 | leverage <7% |  |
| 2025-12 | 9 | NIM <2.5% |  |
| 2026-03 | 8 |  | losing money |
| 2026-06 | 6 |  | capital falling, leverage <7% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-11 [Louisiana bank agrees to FDIC consent order over credit quality - Banking Dive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcUF6dDl4bmNEbWhTYkNURVZjbmU1a3FhR0d2SE0ydFdabGRIVnBpNWU0TFJQOWo0LWcxUF9qc01nVHlkc25uZ25PUWhXZ1dfblJuaTBSMVBhYzJlcERDTGhJVFc1d092Y2ZPSXhNMWlJdXRIWHZIY2o5dl9ldHdfcnBnUGJYMnZzM0xSNjNhZDhsanI1Wmw3QnVkUTdHQ2FCTUZRemZteDQ2TGs?oc=5) · Banking Dive
- 2026-08-10 [Louisiana bank faces unusual limits on who it can lend to - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxPQnJKZDR0a1BQSEt2aHh1MlVnb0RfRFR4U0dOWDJXYXZjN1RSb1ZNMlRURlpqWGh5NmQ0dnM4aHpyOWtoY2hzVk5qd3NlbTRVSFkwc0ltbm1ZbXRkVUkzSVJXYnFReFNNYlNIa2pjNWJ4cEVFakt1b2lQQXJqMlB1TlpPWGN3Q2VRZ0V6b1dYejZLRmlzMi1qcQ?oc=5) · American Banker
- 2026-07-28 [First Guaranty Bancshares, Inc. Reports Second Quarter 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMilAJBVV95cUxPdVZUcm5vLS1Qb3VzTVRwWmd2TG1mSE1vS3pic2c0RVcwR1NGbHA0ZVFNUDRGS2JuczZCVEZYMUNoOVR4T29hdWJsWjNPSmVMLTg5OUtYblBPeUU5a3FJc01hRFhYWkxURWJlRzl0SzBPV2FYRGtTNC1XTndHX0NkQ1ZOQkgxZHFnVTVoNExNRm0taTAxcVF4WTBCMGlnWm1TMmhLTWZlTzFmUDZNVjFOSW9Ic2lIVjdfQ1l4a0NjLVU3WWNQUnJSSzNMUU0wTGlHeF9rb0RMOUttVHliTFdqMzFsalFFUFh0MEpsVjI5T19ta2F5V1RHQk5fUWU2NDVVVFNrRWxENlcwcTlveTQ1cW0yQjU?oc=5) · GlobeNewswire
- 2026-08-24 [Filings: Louisiana bank tried to link to Greenbrier refinance deal - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMimwFBVV95cUxOT096U0xzQVdWWVQ5OGtVeWhmdWs2UnZUXzZWaTFINGFTUzNOalp1cm9LQy1ud3dGSGxVWURTSmVKcmxUQTVrT0FRSC1KMUJKc0lwazVwOTJpLThSVkxwLXVHV1FCREtESFZLampkS1FUQ291S1c0cG93MXJKdTNHZm1nYzlrRE5FcWRIYXk1TjA2Nko5TTJXSU5Law?oc=5) · New Orleans CityBusiness
- 2026-07-28 [First Guaranty reports $19 million drop in nonaccrual loans - stocktitan.net](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOT3NYVktSOGxYYUphY3V4ZUxSMF9wR0Q3ejY4ZjZfM25lRC1SS3gtdTlNdHNQcWdJTjdMV2hHUnVzMllJc21aX2hUSHcta0NxdGJmQW9obUdIRFZfRkV4SldaNks5Zlp1R29sZWlPaGZoX05la0p1NVR1UWtZR3BMTzlXUDRCQ255VjZNcEZyWmZKV1lyZDhKZ2h1LU1ONUlwYmhrS24tbWNieE9ERkRocUhnQVUyWUFvMmtrWGlOQWQ?oc=5) · stocktitan.net
- 2026-07-28 [First Guaranty Bancshares Reports Second Quarter 2026 Net Income of $3.4 Million and Improved Capital Ratios - Quiver Quantitative](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQblgzTkJYLW5kMzA4LUl0c2FBTUhCdEF3eFBhMmUxX2FfaHlEWUxZcVZKdk1OR0gzWjh1RFZ1UERkX3BncThLY2pMclE1Q1BhaTZaeE1EVUxTNWdPdXNiSDFnWkstdC1lZEhMOGM0R0pTM09zUzZEUVBwWkwydGJ5eEJ6b0NIOXdSRWlIZDFabU5nNW5JMUQxenRWTzd1WTBCVmpBS09fazN1TV9saTlXNzQ4X1NXT0g2R0Y1VldVVnBnU3hzMllOdkcxWUVpNXE5UEgyOXFQTnVZNVU?oc=5) · Quiver Quantitative
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-03-18 [New Lawsuit Names Justice, Involves More Properties Near Greenbrier - West Virginia Public Broadcasting](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNaU5HdWVHQ2FPNnNEamdmNVJlMUpxbkJkUEY2RGNOU1UzMU10Y0JvSHo3R2VsMlNFN2RldjlNckMzdGNmbmZpU25iUlVwQnlRMlVEOF8wbHJGY21GNjVSMDZQcGhUNl9MbjdjNXBaXzZjU2J2U3JKaW02MGp6TTRoU1VNazFab051WEFfaDNsckJ5VVVuYURkb2RqQnhIa0N4VDhYT1RFNGo?oc=5) · West Virginia Public Broadcasting

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14028 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "14028", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide