BlastPoint's Banking Scorecard
First Guaranty Bank
Community
Specialty: Commercial
LA
FDIC cert 14028
Hammond, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
First Guaranty Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.49% below tier
- - Net Interest Margin 1.23% below tier
- - Delinquency Rate 2.35% above tier
- - Loan-to-Deposit Ratio 27.27% below tier
- - Nonperforming Asset Ratio 1.84% above tier
- - Non-Interest Income / Assets 0.55% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.1B
+2.6% YoY
+7.4% QoQ
|
+$2.7B |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$2.0B
-23.7% YoY
-7.5% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$3.6B
+4.5% YoY
+8.3% QoQ
|
+$2.5B |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
-1.33%
-383.4% YoY
+30.1% QoQ
|
-2.49% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.44%
-7.7% YoY
-3.1% QoQ
|
-1.23% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
68.03%
+7.4% YoY
+1.0% QoQ
|
+5.39% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
2.98%
-34.1% YoY
-42.9% QoQ
|
+2.35% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
55.79%
-27.0% YoY
-14.6% QoQ
|
-27.27% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.51%
-1.6% YoY
-3.4% QoQ
|
-9.54% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
2.34%
-22.7% YoY
-29.6% QoQ
|
+1.84% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 4% in tier |
| Tier 1 Capital Ratio ? |
12.24%
+11.2% YoY
+10.4% QoQ
|
+1.99% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.19%
-68.8% YoY
+20.0% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-1.33%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.44%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.98%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
55.79%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
2.34%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.19%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Deposits
Current: $3.6B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
49
49th pctile
Tier 1 Capital Ratio
Current: 12.24% · Tier avg: 10.24%
32
32th pctile
Efficiency Ratio
Current: 68.03% · Tier avg: 62.63%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.51% · Tier avg: 21.05%
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.79% · Tier avg: 83.06%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.66%
5
5th pctile
Delinquency Rate
Current: 2.98% · Tier avg: 0.63%
4
4th pctile
Nonperforming Asset Ratio
Current: 2.34% · Tier avg: 0.50%
1
1th pctile
Return on Assets
Current: -1.33% · Tier avg: 1.16%
Top Weaknesses
1
1th pctile
Return on Assets
Current: -1.33% · Tier avg: 1.16%
4
4th pctile
Nonperforming Asset Ratio
Current: 2.34% · Tier avg: 0.50%
5
5th pctile
Delinquency Rate
Current: 2.98% · Tier avg: 0.63%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.66%
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.79% · Tier avg: 83.06%
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.51% · Tier avg: 21.05%
32
32th pctile
Efficiency Ratio
Current: 68.03% · Tier avg: 62.63%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.24% · Tier avg: 10.24%
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.6B · Tier avg: $1.2B