First Guaranty Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at First Guaranty Bank (FDIC Cert #14028) registers 93/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

DLRadar maps First Guaranty Bank into 18 counties (430 ZIP codes) across 4 states — a mid-sized, multi-state lending base. It concentrates most in Louisiana (11 counties), Texas (5 counties), West Virginia (1 county), Kentucky (1 county). Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. At the county level, First Guaranty Bank finances markets like Dallas County, TX, Tarrant County, TX, Denton County, TX, Collin County, TX — the specific places where its credit posture translates into local lending capacity. A severe score on a footprint this size means the markets First Guaranty Bank touches inherit a corresponding share of that lending pressure. No bank is too small to score the same way: First Guaranty Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 18-county, 430-ZIP profile means exactly what it would for any institution nationwide. The value is in the linkage: First Guaranty Bank's severe reading is mapped onto 430 ZIP codes and 18 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. What separates this from a plain credit rating is the geographic weighting — First Guaranty Bank's 93/100 reading reflects not just its balance sheet but the 18 counties it lends into, so the score doubles as a map of where its stress will land first. Because First Guaranty Bank is held under Smith&Hood Holding Co L L C, its financials are open to scrutiny and its trend can be independently checked.

The acquisition angle is simple — lending capacity is what moves deals. As First Guaranty Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.