First Guaranty Bancshares Balance Sheet Health
Financial Health criteria checks 5/6
First Guaranty Bancshares has total assets of $3.6B and total equity of $249.6M. Total deposits are $3.0B, and total loans are $2.7B earning a Net Interest Margin of 2.7%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are $286.5M.
Key information
14.2x
Asset to equity ratio
2.7%
Net interest margin
Total deposits | US$3.01b |
Loan to deposit ratio | Appropriate |
Bad loans | 1.5% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | US$286.46m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1GJ's Assets to Equity ratio (14.2x) is moderate.
Allowance for Bad Loans: 1GJ has a low allowance for bad loans (76%).
Low Risk Liabilities: 91% of 1GJ's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1GJ has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: 1GJ's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: 1GJ has an appropriate level of bad loans (1.5%).