First Guaranty Bancshares, Inc. is classed by the SEC under Savings Institution, Federally Chartered (industry code 6035), based in Hammond, LA. Its latest filed balance sheet (2025-12-31) shows total assets of $4.0 billion (its filed statements).
Lending businessSavings Institution, Federally CharteredHammond, LAfilings since 20079 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6035, Savings Institution, Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 2.9 out of ten, 9 of 9 metrics filed: past 3.3 out of ten, present 2.4 out of ten, future 2.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 2.6 out of ten. 5 warning events since 2017; the latest 2025-11-10. 26th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.8 out of ten. +15.5% a year over 10 filed years; profitable in 9 of 10. 58th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 2.5 out of ten. Share count grew 9.3% a year. 28% of cash flow returned. Insiders: 0 sales, 40 purchases. 25th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 0.3 out of ten. ROE -25%: lost 25¢ per shareholder dollar. Leverage 94%: owes 94¢ per asset dollar. 4th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 4.5 out of ten. bottom 45% of 31 in its family; net margin -26.3%. 45th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 3.6 out of ten. bottom 36% of 25 in its family for leadership. 36th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 5.0 out of ten. bottom 50% of 25 in its family for room to expand. 50th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 2.4 out of ten. bottom 24% of 30 in its family for growth drivers. 24th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 1.0 out of ten. bottom 10% of 29 in its family for expectations against reality. 10th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-31 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-14 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-31 (on EDGAR). Newest filing: Form D, 2026-10-08. Filings on record since 2007. Read from EDGAR 2026-10-12.
Who runs it
Reynolds, Marshall T (Chairman of the Board); Dosch, Eric (SVP and CFO); Smith, Edgar R. III (director); Mcanally, Bruce (director); Walker, Robert W (director); Hood, Betsy Kent (director). 6 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.
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