FIRST GUARANTY BANK
HAMMOND, LOUISIANA · FDIC Cert #14028
Capital & Safety Analysis
According to FDIC financial data, FIRST GUARANTY BANK holds a Tier 1 capital ratio of 10.35%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST GUARANTY BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST GUARANTY BANK shows average financial health. While not alarming, its Health Score of 58/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST GUARANTY BANK has a Bank Health Score of C (58/100). It holds a Tier 1 capital ratio of 10.35%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST GUARANTY BANK holds $3.6B in total assets and $3.1B in total deposits. It is located in HAMMOND, LOUISIANA (FDIC Certificate #14028).
FIRST GUARANTY BANK has a Tier 1 capital ratio of 10.35%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 2.21%, and the return on assets is 0.86%.
Yes. FIRST GUARANTY BANK is FDIC-insured (Certificate #14028). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.