First Guaranty Bank
Total assets
$3.89B
▼ -1.9% YoY
Deposits
$3.46B
▼ -0.6% YoY
Loans
$1.73B
▼ -26.4% YoY
Offices
30
SMITH&HOOD HOLDING CO L L C
ROA (annualized)
0.39%
peers 1.26%
ROE (annualized)
5.85%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First Guaranty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +5.5% | -7.4 pts |
| Deposit growth (YoY) | -0.6% | +5.1% | -5.6 pts |
| Loan growth (YoY) | -26.4% | +5.9% | -32.3 pts |
| ROA | 0.39% | 1.26% | -0.9 pts |
| ROE | 5.8% | 12.2% | -6.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SMITH&HOOD HOLDING CO L L C
- Specialization
- Commercial Lending Specialization
- Address
- 400 E Thomas St, Hammond, LA, 70401
- County
- Tangipahoa
- Metro area
- Hammond, LA
- Offices
- 30
- FDIC cert #
- 14028
- RSSD ID
- 422433
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.89B | $3.46B | $1.73B | $261.4M | $7.7M | 0.39% | 2.36% | 1.81% |
| Q1 2026 | $3.96B | $3.51B | $1.89B | $261.2M | $3.4M | 0.34% | 2.25% | 2.11% |
| Q4 2025 | $4.08B | $3.64B | $2.03B | $263.9M | $-52.2M | -1.33% | 2.44% | 2.34% |
| Q3 2025 | $3.79B | $3.36B | $2.19B | $259.6M | $-55.5M | -1.90% | 2.51% | 3.33% |
| Q2 2025 | $3.97B | $3.48B | $2.35B | $301.9M | $-11.3M | -0.58% | 2.51% | 3.20% |
| Q1 2025 | $3.83B | $3.34B | $2.47B | $307.1M | $-5.2M | -0.53% | 2.51% | 3.50% |
| Q4 2024 | $3.97B | $3.48B | $2.66B | $310.6M | $17.5M | 0.47% | 2.64% | 3.03% |
| Q3 2024 | $3.92B | $3.44B | $2.74B | $309.8M | $15.1M | 0.55% | 2.67% | 1.71% |
Loan mix (Q2 2026): real estate $1.43B · commercial $130.0M · consumer $16.0M · securities $1.21B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.36% | 3.70% | 4th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 59.0% | 75th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Guaranty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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