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First Guaranty Bank
Hammond, LA·FDIC Cert #14028·Charter: STATE·Est. 19340312.0·HC: SMITH&HOOD HOLDING CO L L C
Total Assets
$4.1B
Q4 2025
Return on Assets
-1.33%
+0.57%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.03%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
44
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-1.33%+0.57
ROE
-18.10%+7.00
Efficiency
68.03%+0.66
Equity/Assets
0.00%+0.00
NPL Ratio
2.98%-2.23
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
55.79%-9.54
Charge-offs
3.19%+1.64
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.7 | 0.5 | 0.5 | -0.5 | -0.6 | -1.9 | -1.3 |
| ROE | 4.5 | 7.8 | 6.6 | 5.7 | -6.7 | -7.4 | -25.1 | -18.1 |
| Efficiency | 72.9 | 60.7 | 62.8 | 63.3 | 68.7 | 67.1 | 67.4 | 68.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.6 | 2.2 | 2.4 | 4.5 | 5.4 | 5.1 | 5.2 | 3.0 |
| Charge-offs | 0.3 | 0.8 | 0.6 | 0.6 | 1.0 | 0.6 | 1.5 | 3.2 |
| Loan/Deposit | 88.6 | 91.9 | 79.7 | 76.4 | 73.9 | 67.5 | 65.3 | 55.8 |
Balance Sheet
Total Assets$4.1B
Total Deposits$3.6B
Total Loans$2.0B
Total Equity$263.9M
Profitability
ROA-1.33%
ROE-18.10%
Efficiency Ratio68.03%
Net Income$-52.2M
Risk & Asset Quality
NPL Ratio2.98%
Charge-off Rate3.19%
Loan/Deposit55.79%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans