First Guaranty Bancshares Balance Sheet Health
Financial Health criteria checks 4/6
First Guaranty Bancshares has total assets of $3.9B and total equity of $256.4M. Total deposits are $3.4B, 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 2.4% of total loans. Cash and short-term investments are $367.9M.
Key information
15.3x
Asset to equity ratio
2.7%
Net interest margin
| Total deposits | US$3.43b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.4% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$367.87m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FGBI.P's Assets to Equity ratio (15.3x) is moderate.
Allowance for Bad Loans: FGBI.P has a low allowance for bad loans (51%).
Low Risk Liabilities: 94% of FGBI.P's liabilities are made up of primarily low risk sources of funding.
Loan Level: FGBI.P has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: FGBI.P's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: FGBI.P has a high level of bad loans (2.4%).