First Guaranty Bank (FDIC #14028): Bank Stress & Real-Estate Credit Exposure

First Guaranty Bank (FDIC Cert #14028): bank stress 93/100, severe, STABLE over 7 days; parent SMITH&HOOD HOLDING CO L L C.

First Guaranty Bank (#14028) lends in 18 counties across 4 states; First Guaranty Bank (#14028) reaches 430 ZIP codes: Louisiana 11 counties, 149 ZIPs; Texas 5 counties, 250 ZIPs; West Virginia 1 county, 22 ZIPs; Kentucky 1 county, 9 ZIPs.

First Guaranty Bank (#14028) largest markets: Dallas County, TX (95 branches, 95 ZIPs) (#14028), Tarrant County, TX (76 branches, 76 ZIPs) (#14028), Denton County, TX (40 branches, 40 ZIPs) (#14028), Collin County, TX (40 branches, 40 ZIPs) (#14028), Mclennan County, TX (29 branches, 29 ZIPs) (#14028), Rapides County, LA (29 branches, 29 ZIPs) (#14028).

First Guaranty Bank (#14028) reports $3.89 billion in total assets; First Guaranty Bank (#14028) equity $261.4 million (6.7% of First Guaranty Bank (#14028) assets); First Guaranty Bank (#14028) domestic deposits $3.46 billion; First Guaranty Bank (#14028) net income $7.7 million; First Guaranty Bank (#14028) return on assets 0.39%; First Guaranty Bank (#14028) return on equity 5.85%; First Guaranty Bank (#14028) net interest income $44.6 million; First Guaranty Bank (#14028) call report June 30, 2026.

First Guaranty Bank (#14028) noncurrent real-estate loans 0.47% of its book; First Guaranty Bank (#14028) multifamily 0.04%; First Guaranty Bank (#14028) residential 0.47%; First Guaranty Bank (#14028) net charge-offs on real estate 2.68%; First Guaranty Bank (#14028) multifamily charge-offs 2.58%; First Guaranty Bank (#14028) residential charge-offs 0.89%.

First Guaranty Bank (#14028) net interest margin 2.36% against an eight-quarter First Guaranty Bank (#14028) average of 2.49% (First Guaranty Bank (#14028) compression 0.13 points); First Guaranty Bank (#14028) real-estate loans 47.2% of equity; First Guaranty Bank (#14028) non-residential real estate 89.4% of equity; First Guaranty Bank (#14028) rate-exposure score 40/100, First Guaranty Bank (#14028) fixed-rate trap 40/100; First Guaranty Bank (#14028) risk type credit driven; First Guaranty Bank (#14028) rate regime rates elevated, First Guaranty Bank (#14028) snapshot October 20, 2026.

First Guaranty Bank (#14028) stress score moved from 93.4 on June 22, 2026 to 93.5 on October 20, 2026; First Guaranty Bank (#14028) ranged 93.4 to 93.5 over 117 snapshots.

First Guaranty Bank (#14028) alerts: 18 counties; top First Guaranty Bank (#14028) alert scores: Abbeville County, LA 29 (low); Alexandria County, LA 29 (low); Bossier City County, LA 29 (low); Bridgeport County, LA 29 (low); Denton County, LA 29 (low).