First Guaranty Bank (FDIC certificate #14028) is based in Hammond, Louisiana. Its Q2 2026 call report shows $3.9B in total assets and $3.5B in deposits and 25 offices across 3 states.
First Guaranty Bank has a TellerScore of 38 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 897 banks with $1 billion – $10 billion. Among 104 banks headquartered in Louisiana, it ranks 101st. Funding & liquidity contributes the most (89/100, 50% loans-to-deposits, 25% uninsured); capital cushion contributes the least (21/100, 7.09%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 14 points (24 → 38), mostly because the earnings component improved by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 40 |
| Q4 2024 | 30 |
| Q1 2025 | 21 |
| Q2 2025 | 24 |
| Q3 2025 | 21 |
| Q4 2025 | 24 |
| Q1 2026 | 30 |
| Q2 2026 | 38 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.61% |
| Q3 2024 | 8.32% |
| Q4 2024 | 7.82% |
| Q1 2025 | 7.73% |
| Q2 2025 | 7.65% |
| Q3 2025 | 6.92% |
| Q4 2025 | 6.90% |
| Q1 2026 | 6.52% |
| Q2 2026 | 7.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.21% |
| Q3 2024 | 2.38% |
| Q4 2024 | 4.46% |
| Q1 2025 | 5.32% |
| Q2 2025 | 4.96% |
| Q3 2025 | 5.01% |
| Q4 2025 | 2.92% |
| Q1 2026 | 2.84% |
| Q2 2026 | 2.30% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.47% |
| Q1 2025 | -0.53% |
| Q2 2025 | -0.58% |
| Q3 2025 | -1.90% |
| Q4 2025 | -1.33% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 38 | $3.9B | 7.09% | 2.30% | 0.39% | 50.0% |
| Q1 2026 | 30 | $4.0B | 6.52% | 2.84% | 0.34% | 53.7% |
| Q4 2025 | 24 | $4.1B | 6.90% | 2.92% | -1.33% | 55.8% |
| Q3 2025 | 21 | $3.8B | 6.92% | 5.01% | -1.90% | 65.3% |
| Q2 2025 | 24 | $4.0B | 7.65% | 4.96% | -0.58% | 67.5% |
| Q1 2025 | 21 | $3.8B | 7.73% | 5.32% | -0.53% | 73.9% |
| Q4 2024 | 30 | $4.0B | 7.82% | 4.46% | 0.47% | 76.4% |
| Q3 2024 | 40 | $3.9B | 8.32% | 2.38% | 0.55% | 79.7% |
| Q2 2024 | 41 | $3.6B | 8.61% | 2.21% | 0.67% | 91.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gulf Coast Bank and Trust CompanyBank New Orleans, LA | 55 out of 100, Moderate | $3.9B | 9.1% | 1.60% | vs |
| Investar Bank, National AssociationBank Baton Rouge, LA | 67 out of 100, Moderate | $3.9B | 10.7% | 0.63% | vs |
| Home Bank, National AssociationBank Lafayette, LA | 70 out of 100, Strong | $3.6B | 12.1% | 0.95% | vs |
| Red River BankBank Alexandria, LA | 82 out of 100, Strong | $3.3B | 12.5% | 0.11% | vs |
| BOM BankBank Natchitoches, LA | 60 out of 100, Moderate | $1.6B | 10.6% | 0.86% | vs |
| Bonvenu Bank, National AssociationBank Bossier City, LA | 67 out of 100, Moderate | $1.6B | 10.0% | 0.13% | vs |
Deposit insurance
Is my money safe at First Guaranty Bank?
Yes. First Guaranty Bank is an FDIC-insured institution (FDIC certificate #14028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.3% of deposits ($876.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.09%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.21% (benchmark: 10%).
25 locations
Branches
First Guaranty Bank lists 25 offices in 23 cities across 3 states. Most locations:
- Denham Springs, LA (2)
- Hammond, LA (2)
- Abbeville, LA (1)
- Alexandria, LA (1)
- Amite, LA (1)
- Benton, LA (1)
- Bossier City, LA (1)
- Bridgeport, WV (1)
- Bunkie, LA (1)
- Dubach, LA (1)
- Greensburg, LA (1)
- Hessmer, LA (1)
HMDA 2025
Mortgage lending
In 2025, First Guaranty Bank reported 243 home-loan applications under HMDA (LEI 549300G8SAGXEDF5FK39): 172 originated ($40,560,000 total), 29 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First Guaranty Bank
- Former names
- Guaranty Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 14028
- RSSD ID
- 422433
- Primary regulator
- FDIC
- Holding company
- Smith&hood Holding Co L L C
- Established
- March 12, 1934
- Headquarters
- 400 E Thomas St, Hammond, LA 70401
- Website
- www.fgb.net
- Employees
- 333
Quick answers
First Guaranty Bank: common questions
Is First Guaranty Bank FDIC insured?
Yes. First Guaranty Bank is an FDIC-insured institution (FDIC certificate #14028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Guaranty Bank's TellerScore?
38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Guaranty Bank ever failed?
There is no failure record for FDIC certificate #14028 in the FDIC failed bank list.
How many branches does First Guaranty Bank have?
25 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Hammond
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| District 62 Highway Federal Credit UnionCredit union Hammond, LA | 89 out of 100, Very strong | $6.6M | 15.4% | 0.00% | vs |
| Crescent BankBank Metairie, LA | 89 out of 100, Very strong | $1.1B | 15.0% | 1.28% | vs |
| Red River BankBank Alexandria, LA | 82 out of 100, Strong | $3.3B | 12.5% | 0.11% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |
| Fifth District Savings BankBank New Orleans, LA | 81 out of 100, Strong | $531.8M | 21.4% | 0.09% | vs |
| Citizens Savings BankBank Bogalusa, LA | 81 out of 100, Strong | $329.1M | 14.3% | 0.74% | vs |