First Guaranty Bancshares (FGBI) Debt/Assets Ratio: History & Chart

First Guaranty Bancshares, Inc.(FGBI)

Banks - Regional · Hammond, LA

$8.51-0.19 (-2.24%)

Delayed quote: Oct 6, 2026, 2:15 PM EDT

About First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc. functions as the parent company for First Guaranty Bank, a financial institution delivering commercial banking services primarily across Louisiana and Texas. The bank offers a comprehensive suite of deposit products, including various checking accounts for personal and business use, savings accounts, money market accounts, demand deposits, and certificates of deposit (time deposits). These services are extended to individual consumers, small and medium-sized businesses, and municipal entities. Its lending portfolio is diverse, providing credit solutions such as real estate-backed loans (including commercial, non-farm non-residential, single-to-four-family residential, multifamily, construction, and land development), commercial and industrial loans, agricultural loans (including farmland), and other consumer loans. These are primarily aimed at small to medium-sized businesses, professionals, and individuals. Additionally, First Guaranty Bank provides numerous customer-centric services. Individuals can access credit cards, mobile check deposit, safe deposit boxes, official checks, robust online and mobile banking platforms, ATM services, and online bill payment. Business clients benefit from specialized solutions like merchant services, remote deposit capture, and lockbox services. A portion of the company's assets is strategically invested in various securities. This includes debt instruments issued by the United States Government and its agencies, state and municipal obligations, corporate bonds, mutual funds, and equity securities. It also allocates funds to mortgage-backed securities, predominantly those issued or guaranteed by U.S. Government agencies or enterprises. The company operates a network of 36 banking facilities. These are primarily located in significant market areas across Louisiana (including Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, Lake Charles, and Alexandria) and Texas (notably Dallas-Fort Worth-Arlington and Waco), with a presence also extending to Kentucky and West Virginia. First Guaranty Bancshares, Inc. was established in 1934 and maintains its corporate headquarters in Hammond, Louisiana.

Hammond, LA

333 employees

www.fgb.net

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Michael Ray Mineer

View full financials

FGBI Debt to Assets Ratio Metrics

DEBT TO ASSETS RATIO

4.78%

DEBT TO ASSETS RATIO AVG TTM

4.78%

DEBT TO ASSETS RATIO AVG 3Y

5.66%

DEBT TO ASSETS RATIO AVG 5Y

4.69%

DEBT TO ASSETS RATIO AVG 10Y

3.89%

DEBT TO ASSETS RATIO AVG 15Y

3.01%

DEBT TO ASSETS RATIO AVG 20Y

2.95%

CURRENT VS TTM AVG

-0.01%

CURRENT VS 3Y AVG

-15.49%

CURRENT VS 5Y AVG

+2.04%

CURRENT VS 10Y AVG

+23.03%

CURRENT VS 15Y AVG

+58.72%

CURRENT VS 20Y AVG

+62.06%

SECTOR MEDIAN · FINANCIAL SERVICES

0.05%

median of 738 covered companies

CURRENT VS SECTOR MEDIAN

+9464.85%

vs the sector median at left

NAME	MARKET CAP	DEBT TO ASSETS RATIO	TTM	3Y	5Y
First Guaranty Bancshares, Inc. (FGBI)	$140.66M	4.78%	4.78%	5.66%	4.69%
First Guaranty Bancshares, Inc. (FGBIP)vs ›	$141.37M	0.05%	N/A	N/A	N/A
RF Acquisition Corp III Ordinary Shares (RFAM)vs ›	$139.33M	N/A	N/A	N/A	N/A
K2 Capital Acquisition Corporation (KTWO)vs ›	$142.12M	N/A	N/A	N/A	N/A
Lake Shore Bancorp, Inc. (LSBK)vs ›	$142.18M	0.00%	N/A	N/A	N/A
BOA Acquisition Corp. II (THEO)vs ›	$142.31M	N/A	N/A	N/A	N/A
Social Commerce Partners Corporation Class A Ordinary Shares (SCPQ)vs ›	$137.52M	0.00%	N/A	N/A	N/A
Aeon Acquisition I Corp. (AESP)vs ›	$143.46M	N/A	N/A	N/A	N/A
HCM III Acquisition Corp. (HCMA)vs ›	$136.06M	0.00%	N/A	N/A	N/A
SR Bancorp, Inc. Common stock (SRBK)vs ›	$135.85M	0.06%	N/A	N/A	N/A

NAME

MARKET CAP

DEBT TO ASSETS RATIO

TTM

First Guaranty Bancshares, Inc. (FGBI)

$140.66M

4.78%

5.66%

4.69%

First Guaranty Bancshares, Inc. (FGBIP)vs ›

$141.37M

0.05%

N/A

RF Acquisition Corp III Ordinary Shares (RFAM)vs ›

$139.33M

N/A

K2 Capital Acquisition Corporation (KTWO)vs ›

$142.12M

N/A

Lake Shore Bancorp, Inc. (LSBK)vs ›

$142.18M

0.00%

N/A

BOA Acquisition Corp. II (THEO)vs ›

$142.31M

N/A

Social Commerce Partners Corporation Class A Ordinary Shares (SCPQ)vs ›

$137.52M

0.00%

N/A

Aeon Acquisition I Corp. (AESP)vs ›

$143.46M

N/A

HCM III Acquisition Corp. (HCMA)vs ›

$136.06M

0.00%

N/A

SR Bancorp, Inc. Common stock (SRBK)vs ›

$135.85M

0.06%

N/A

Debt to Assets Ratio FAQ

What is the debt to assets ratio for First Guaranty Bancshares, Inc. (FGBI)?

The debt to assets ratio for FGBI stock is 4.78%.

Is First Guaranty Bancshares, Inc.'s debt to assets ratio high or low?

The debt to assets ratio of 4.78% is in line with its 5-year average of 4.69%, around the middle of its 5-year range (1.72%–10.03%).

What is the TTM average debt to assets ratio for First Guaranty Bancshares, Inc. (FGBI)?

The TTM average debt to assets ratio for FGBI stock is 4.78%.

What is the 3Y average debt to assets ratio for First Guaranty Bancshares, Inc. (FGBI)?

The 3Y average debt to assets ratio for FGBI stock is 5.66%.

What is the 5Y average debt to assets ratio for First Guaranty Bancshares, Inc. (FGBI)?

The 5Y average debt to assets ratio for FGBI stock is 4.69%.

What is the 10Y average debt to assets ratio for First Guaranty Bancshares, Inc. (FGBI)?

The 10Y average debt to assets ratio for FGBI stock is 3.89%.

What is the 15Y average debt to assets ratio for First Guaranty Bancshares, Inc. (FGBI)?

The 15Y average debt to assets ratio for FGBI stock is 3.01%.

What is the 20Y average debt to assets ratio for First Guaranty Bancshares, Inc. (FGBI)?

The 20Y average debt to assets ratio for FGBI stock is 2.95%.

DATE	DEBT TO ASSETS RATIO
2026-06-30	4.78%
2026-03-31	4.98%
2025-12-31	4.56%
2025-09-30	4.90%
2025-06-30	4.69%
2025-03-31	5.25%
2024-12-31	5.08%
2024-09-30	5.17%
2024-06-30	7.85%
2024-03-31	6.32%
2023-12-31	7.75%
2023-09-30	10.03%
2023-06-30	6.57%
2023-03-31	4.10%
2022-12-31	5.82%
2022-09-30	4.65%
2022-06-30	2.19%
2022-03-31	1.90%
2021-12-31	1.72%
2021-09-30	1.77%
2021-06-30	3.66%
2021-03-31	2.54%
2020-12-31	4.72%
2020-09-30	4.74%
2020-06-30	4.93%
2020-03-31	5.41%
2019-12-31	4.10%
2019-09-30	1.79%
2019-06-30	1.77%
2019-03-31	1.77%
2018-12-31	1.90%
2018-09-30	3.38%
2018-06-30	2.72%
2018-03-31	2.12%
2017-12-31	3.02%
2017-09-30	2.70%
2017-06-30	2.25%
2017-03-31	2.41%
2016-12-31	2.88%
2016-09-30	3.31%
2016-06-30	3.28%
2016-03-31	2.70%
2015-12-31	2.89%
2015-09-30	0.20%
2015-06-30	0.99%
2015-03-31	0.20%
2014-12-31	0.21%
2014-09-30	0.94%
2014-06-30	0.24%
2014-03-31	0.73%
2013-12-31	0.44%
2013-09-30	3.03%
2013-06-30	2.12%
2013-03-31	1.13%
2012-12-31	1.13%
2012-09-30	0.96%
2012-06-30	1.53%
2012-03-31	1.14%
2011-12-31	1.14%
2011-09-30	0.58%
2011-05-16	0.77%
2011-03-31	1.14%
2010-12-31	1.11%
2010-09-30	2.35%
2010-06-30	3.52%
2010-03-31	2.83%
2009-12-31	3.43%
2009-09-30	1.32%
2009-06-30	3.08%
2009-03-31	2.41%
2008-12-31	2.08%
2008-09-30	6.13%
2008-06-30	4.16%
2008-03-31	1.58%
2007-12-31	1.67%
2007-09-30	5.94%

DATE

DEBT TO ASSETS RATIO

2026-06-30

4.78%

2026-03-31

4.98%

2025-12-31

4.56%

2025-09-30

4.90%

2025-06-30

4.69%

2025-03-31

5.25%

2024-12-31

5.08%

2024-09-30

5.17%

2024-06-30

7.85%

2024-03-31

6.32%

2023-12-31

7.75%

2023-09-30

10.03%

2023-06-30

6.57%

2023-03-31

4.10%

2022-12-31

5.82%

2022-09-30

4.65%

2022-06-30

2.19%

2022-03-31

1.90%

2021-12-31

1.72%

2021-09-30

1.77%

2021-06-30

3.66%

2021-03-31

2.54%

2020-12-31

4.72%

2020-09-30

4.74%

2020-06-30

4.93%

2020-03-31

5.41%

2019-12-31

4.10%

2019-09-30

1.79%

2019-06-30

1.77%

2019-03-31

1.77%

2018-12-31

1.90%

2018-09-30

3.38%

2018-06-30

2.72%

2018-03-31

2.12%

2017-12-31

3.02%

2017-09-30

2.70%

2017-06-30

2.25%

2017-03-31

2.41%

2016-12-31

2.88%

2016-09-30

3.31%

2016-06-30

3.28%

2016-03-31

2.70%

2015-12-31

2.89%

2015-09-30

0.20%

2015-06-30

0.99%

2015-03-31

0.20%

2014-12-31

0.21%

2014-09-30

0.94%

2014-06-30

0.24%

2014-03-31

0.73%

2013-12-31

0.44%

2013-09-30

3.03%

2013-06-30

2.12%

2013-03-31

1.13%

2012-12-31

1.13%

2012-09-30

0.96%

2012-06-30

1.53%

2012-03-31

1.14%

2011-12-31

1.14%

2011-09-30

0.58%

2011-05-16

0.77%

2011-03-31

1.14%

2010-12-31

1.11%

2010-09-30

2.35%

2010-06-30

3.52%

2010-03-31

2.83%

2009-12-31

3.43%

2009-09-30

1.32%

2009-06-30

3.08%

2009-03-31

2.41%

2008-12-31

2.08%

2008-09-30

6.13%

2008-06-30

4.16%

2008-03-31

1.58%

2007-12-31

1.67%

2007-09-30

5.94%

Debt to Assets Ratio: 4.78%

FGBI Debt to Assets Ratio

FGBI Average Debt to Assets Ratio Chart

FGBI Current vs Average Debt to Assets Ratio Chart

FGBI Debt to Assets Ratio Metrics

FGBI Competitors' Debt to Assets Ratio

Leverage Ratios Comparison

Debt to Assets Ratio Formula & Definition

Debt to Assets Ratio FAQ

FGBI Debt to Assets Ratio History

Related Metrics