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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Louisiana, the state note

First Guaranty Bank

Hammond, Louisiana · $3.89B in assets · beside the 5 other Louisiana banks between $3B and $10B

The filing

50.9%
Loans / deposits
1st of 6
6.7%
Equity / assets
6th of 6
2.30%
NPA / loans
6th of 6

First Guaranty Bank is the second largest of the 6 Louisiana banks between $3B and $10B, with $3.89B in assets at 30 June 2026. Loans are 50.9% of deposits, the lowest in the cohort against a median of 87.8%, and equity is 6.7% of assets, the lowest in the cohort. Loans grew -26.8% in the year, the slowest in the cohort, and deposits fell 0.6%; the cohort's median loan growth is +7.9%.

Noncurrent loans are 2.30% of the book, the highest in the cohort against a median of 1.11%; 0.66% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 1.33% of loans, the highest in the cohort. Commercial real estate is 40.0% of loans, the highest in the cohort against a median of 32.3%, and 235% of capital, below the 300% screen, with construction at 33% against the 100% screen.

Return on assets is 0.39%, the lowest in the cohort against a median of 1.19%, on an efficiency ratio of 68.9%, 5th of 6. Five years ago it was 0.94%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansLA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 32.3% GC Gulf Coast Bank & Trust Co. 23.2% IB Investar Bank National Association 30.0% RR Red River Bank 30.3% HB Home Bank National Association 34.3% B B1bank 37.0% FG First Guaranty Bank 40.0%
Loans, year over yearLA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.9% IB Investar Bank National Association +45.3% GC Gulf Coast Bank & Trust Co. +11.4% B B1bank +10.2% RR Red River Bank +5.7% HB Home Bank National Association +0.5% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

First Guaranty Bank is the 68th largest 7(a) lender into Texas of 706, with $151M across 142 loans, 0.3% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 46 of its 55 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, TX$32M44th of 3140.6%+0.0 pts
Tarrant, TX$25M38th of 2810.7%-0.0 pts
Collin, TX$23M27th of 2610.8%-0.1 pts
Johnson, TX$11M5th of 1033.9%quiet FY2016
Harris, TX$8M109th of 3140.1%quiet FY2019
Denton, TX$7M63rd of 2240.4%quiet FY2022
Jefferson, AL$6M31st of 1280.9%quiet FY2019
Lamar, TX$5M2nd of 339.7%quiet FY2017
Forsyth, NC$5M18th of 861.3%quiet FY2012
Wythe, VA$5M6th of 246.4%quiet FY2011
Hawaii, HI$5M8th of 484.9%quiet FY2011
Williamson, TX$4M73rd of 1810.4%quiet FY2021
Montgomery, TX$4M61st of 1650.3%quiet FY2013
42 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services52$54M26.0%0.07%209th of 2,596
Retail trade43$51M24.4%0.08%179th of 2,589
Health care & social assistance25$27M13.1%0.06%211th of 2,172
Arts, entertainment & recreation12$18M8.7%0.13%138th of 1,656
Other services14$15M7.3%0.04%282nd of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and First Guaranty Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans FG First Guaranty Bank 0.3% $151M · 142 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First Guaranty BankRankCohort median
Total CRE against capital, the 300% screen235%5th of 6206%
Construction against capital, the 100% screen33%1st of 661%
Construction and land development, share of loans5.6%1st of 69.4%
Non-owner-occupied nonfarm nonresidential, share of loans29.5%6th of 617.6%
Total CRE, the guidance definition, share of loans40.0%6th of 632.3%
CRE growth over 36 months, the third prong-36.3%1st of 6+18.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Guaranty BankCohort median
20212026Change20212026Change
Loans$2.07B$1.77B-15%$1.94B$2.80B+45%
Deposits$2.43B$3.46B+43%$2.40B$3.26B+36%
NPA / loans1.37%2.30%+0.93 pts0.90%1.11%+0.21 pts
Efficiency64.9%68.9%+4.0 pts61.1%62.4%+1.3 pts
ROA0.94%0.39%-0.55 pts1.33%1.19%-0.14 pts

This read was prepared for First Guaranty Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Guaranty Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort LA banks $3B to $10B
Institution www.fgb.net

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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