BlastPoint's Banking Scorecard

First Guaranty Bank

$1B-$10B Specialty: Commercial LA FDIC cert 14028

Hammond, LA

30 branches across LA · TX · KY · WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
Deposits -0.6% year over year ($3.5B on the books).
Delinquency rate 2.35%.
Return on assets 0.39%.
Efficiency ratio 68.18% vs a 59.73% peer average.
Loan-to-deposit ratio 49.96% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in LA

View $1B-$10B leaderboard (LA) →

First Guaranty Bank faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 0.1% in tier
- Return on Assets 1.01% below tier average
- Net Interest Margin 1.51% below tier average
- Delinquency Rate 1.48% above tier average
- Nonperforming Asset Ratio 1.13% above tier average
- Non-Interest Income / Assets 0.43% below tier average
- Efficiency Ratio 8.45% above tier average

Get updates when First Guaranty Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$3.9B -1.9% YoY -1.6% QoQ	+$1.1B	$2.8B -0.6% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$1.7B -26.4% YoY -8.2% QoQ	-$232.3M	$2.0B -0.3% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$3.5B -0.6% YoY -1.4% QoQ	+$1.1B	$2.3B -0.5% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	0.39% +167.1% YoY +14.9% QoQ	-1.01%	1.39% +17.0% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Bottom 5.3% in tier
Net Interest Margin ?	2.36% -6.0% YoY +4.7% QoQ	-1.51%	3.87% +6.2% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	Bottom 3.3% in tier
Efficiency Ratio ?	68.18% +1.6% YoY -2.0% QoQ	+8.45%	59.73% -12.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	2.35% -53.8% YoY -19.0% QoQ	+1.48%	0.87% +11.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	Bottom 6.9% in tier
Loan-to-Deposit Ratio ?	49.96% -26.0% YoY -7.0% QoQ	-35.08%	85.04% -0.1% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Top 3.8% in tier
Non-Interest-Bearing Deposit Share ?	12.21% -4.6% YoY +3.0% QoQ	-9.07%	21.27% -1.5% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	1.81% -43.6% YoY -14.4% QoQ	+1.13%	0.67% +11.7% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 7.0% in tier
Tier 1 Capital Ratio ?	14.95% +27.0% YoY +11.2% QoQ	+0.11%	14.84% -0.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.10% -8.3% YoY +97.2% QoQ	-0.43%	0.53% +2.5% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	Bottom 9.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Noninterest-Bearing	12.2% -0.6pp YoY +0.3pp QoQ	-9.2pp	21.4%	24.6%	22.2%	16%
Brokered Deposits	31.9% +11.3pp YoY -0.1pp QoQ	+22.4pp	9.5%	6.7%	8.5%	95%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	7.5% -2.6pp YoY +0.9pp QoQ	-6.5pp	14.0%	12.6%	12.5%	30%
CRE	56.3% -6.0pp YoY -2.9pp QoQ	+6.3pp	50.0%	44.9%	41.4%	67%
1-4 Family	24.3% +5.6pp YoY +1.6pp QoQ	-2.1pp	26.4%	34.2%	31.3%	53%
Consumer	0.9% 0.0pp YoY 0.0pp QoQ	-3.8pp	4.7%	4.2%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	14.9% +3.2pp YoY +1.5pp QoQ	-0.6pp	15.6%	22.5%	19.7%	69%
Leverage Ratio	7.1% -0.6pp YoY +0.6pp QoQ	-4.2pp	11.3%	13.4%	12.6%	1%
Total Capital Ratio	16.2% +3.2pp YoY +1.5pp QoQ	-0.5pp	16.7%	23.6%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	333 -27 (-7.5%) YoY +3 (+0.9%) QoQ	+19	313	114	482	70%
Assets per Employee ($)	$11.7M +6.1% YoY -2.5% QoQ	+$1.2M	$10.5M	$6.8M	$8.8M	76%
Branch Count	30 -1 (-3.2%) YoY 0 QoQ	+10	20	9	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	2.3% -2.7pp YoY -0.5pp QoQ	+1.5pp	0.8%	1.4%	1.0%	94%
Allowance Coverage	0.84x +71.5% YoY +19.9% QoQ	-17.87x	18.71x	27.36x	20.23x	18%
Net Charge-off Rate (YTD)	1.2% +0.6pp YoY +0.2pp QoQ	+1.0pp	0.3%	0.1%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	5.8% +13.2pp YoY +0.7pp QoQ	-6.7pp	12.6%	12.5%	11.6%	11%
Cost of Funds (YTD)	3.1% -0.2pp YoY -0.1pp QoQ	+1.2pp	1.9%	1.7%	1.7%	97%
Net Income ($, YTD)	$7.7M +168.0% YoY — QoQ	-$11.6M	$19.2M	$5.1M	$40.4M	28%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#1 of 162 • Bottom 0.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.39%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 49.96%

Peer Median: 85.04%

#35 of 885 Top 3.8% in $1B-$10B

165

Total Deposits

size

Value: $3.46B

Peer Median: $2.32B

#165 of 885 Top 18.5% in $1B-$10B

180

Total Assets

size

Value: $3.89B

Peer Median: $2.79B

#180 of 885 Top 20.2% in $1B-$10B

Top Weaknesses (7 metrics)

857

Net Interest Margin

profitability

Value: 2.36%

Peer Median: 3.87%

#857 of 885 Bottom 3.3% in $1B-$10B

839

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.39%

#839 of 885 Bottom 5.3% in $1B-$10B

822

Delinquency Rate

credit_quality

Value: 2.35%

Peer Median: 0.87%

#822 of 882 Bottom 6.9% in $1B-$10B

824

Nonperforming Asset Ratio

credit_quality

Value: 1.81%

Peer Median: 0.67%

#824 of 885 Bottom 7.0% in $1B-$10B

801

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.53%

#801 of 885 Bottom 9.6% in $1B-$10B

739

Non-Interest-Bearing Deposit Share

funding

Value: 12.21%

Peer Median: 21.27%

#739 of 885 Bottom 16.6% in $1B-$10B

665

Efficiency Ratio

profitability

Value: 68.18%

Peer Median: 59.73%

#665 of 885 Bottom 25.0% in $1B-$10B