First Guaranty Bank: how it compares with its peers
Against 425 U.S. banks with half to twice its assets, First Guaranty Bank's strongest measure in Q2 2026 is assets per employee ($11.7M vs. a $9.3M peer median). Its weakest relative measure is return on assets (0.39% vs. 1.28%).
| Measure | First Guaranty Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.39% | 1.28% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.36% | 3.67% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.18% | 57.61% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.7M | $9.3M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.96% | 88.77% | Context |
What it means for lending operations
Its efficiency ratio of 68.18% is above the 57.61% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Carrollton Bank Carrollton, IL · $3.88B
- Sumitomo Mitsui Trust Bank (U.S.A.) Limited Hoboken, NJ · $3.92B
- Security Bank of Kansas City Kansas City, KS · $3.86B
- Gulf Coast Bank and Trust Company New Orleans, LA · $3.86B
- Bank of Marin Novato, CA · $3.86B
- Investar Bank, National Association Baton Rouge, LA · $3.85B
Questions about First Guaranty Bank
How big is First Guaranty Bank?
First Guaranty Bank, established in 1934, is headquartered in Hammond, LA. It reported $3.89B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is First Guaranty Bank's return on assets?
0.39% annualized in Q2 2026, against a 1.28% median for 425 U.S. banks with half to twice its assets, ahead of 6% of them.
What is First Guaranty Bank's efficiency ratio?
68.18% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 57.61%, and lower is better.
Is First Guaranty Bank growing its loans?
Net loans shrank 26.4% over the year to Q2 2026, while deposits shrank 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.