BlastPoint's Banking Scorecard

First Guaranty Bank

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

Hammond, LA

30 branches across LA · TX · KY · WV

884 banks in the $1B-$10B peer group nationally 19 in LA

First Guaranty Bank faces 6 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

- Return on Assets 1.03% below tier average
- Net Interest Margin 1.56% below tier average
- Delinquency Rate 2.01% above tier average
- Nonperforming Asset Ratio 1.44% above tier average
- Non-Interest Income / Assets 0.21% below tier average
- Efficiency Ratio 8.49% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$4.0B +3.4% YoY -2.9% QoQ	+$1.1B	$2.8B -0.1% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$1.9B -23.6% YoY -7.0% QoQ	-$78.8M	$2.0B +0.6% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$3.5B +5.1% YoY -3.4% QoQ	+$1.2B	$2.3B -0.3% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	0.34% +163.5% YoY +125.2% QoQ	-1.03%	1.37% +19.6% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Bottom 6.4% in tier
Net Interest Margin ?	2.25% -10.3% YoY -7.5% QoQ	-1.56%	3.82% +6.9% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Bottom 3.1% in tier
Efficiency Ratio ?	69.55% +1.2% YoY +2.2% QoQ	+8.49%	61.06% -4.6% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	2.90% -46.5% YoY -2.6% QoQ	+2.01%	0.89% +14.1% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	Bottom 4.7% in tier
Loan-to-Deposit Ratio ?	53.70% -27.3% YoY -3.8% QoQ	-30.50%	84.20% +0.3% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 4.9% in tier
Non-Interest-Bearing Deposit Share ?	11.86% -7.3% YoY +3.0% QoQ	-9.43%	21.29% -2.5% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	2.11% -39.7% YoY -9.9% QoQ	+1.44%	0.67% +15.6% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 5.7% in tier
Tier 1 Capital Ratio ?	13.45% +17.1% YoY +9.9% QoQ	-1.71%	15.16% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.05% -10.6% YoY -73.5% QoQ	-0.21%	0.26% +1.6% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Bottom 9.8% in tier

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 53.70%

Peer Median: 84.20%

#44 of 884 Top 4.9% in $1B-$10B

164

Total Deposits

size

Value: $3.51B

Peer Median: $2.34B

#164 of 884 Top 18.4% in $1B-$10B

181

Total Assets

size

Value: $3.96B

Peer Median: $2.82B

#181 of 884 Top 20.4% in $1B-$10B

Top Weaknesses (7 metrics)

858

Net Interest Margin

profitability

Value: 2.25%

Peer Median: 3.82%

#858 of 884 Bottom 3.1% in $1B-$10B

840

Delinquency Rate

credit_quality

Value: 2.90%

Peer Median: 0.89%

#840 of 880 Bottom 4.7% in $1B-$10B

835

Nonperforming Asset Ratio

credit_quality

Value: 2.11%

Peer Median: 0.67%

#835 of 884 Bottom 5.7% in $1B-$10B

828

Return on Assets

profitability

Value: 0.34%

Peer Median: 1.37%

#828 of 884 Bottom 6.4% in $1B-$10B

798

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.26%

#798 of 884 Bottom 9.8% in $1B-$10B

740

Non-Interest-Bearing Deposit Share

funding

Value: 11.86%

Peer Median: 21.29%

#740 of 884 Bottom 16.4% in $1B-$10B

676

Efficiency Ratio

profitability

Value: 69.55%

Peer Median: 61.06%

#676 of 884 Bottom 23.6% in $1B-$10B