First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc. is a regional bank holding company headquartered in Hammond, Louisiana, that operates First Guaranty Bank across Louisiana and Texas. The bank provides commercial banking services to small and medium-sized businesses, professionals, and individuals, with a focus on community-based lending and deposit services.

The company's primary revenue streams derive from lending activities and deposit products. On the lending side, First Guaranty offers commercial real estate loans, commercial and industrial loans, one- to four-family residential mortgages, multifamily loans, construction and land development financing, agricultural and farmland loans, and consumer loans. The deposit portfolio includes personal and business checking accounts, savings accounts, money market accounts, demand deposits, and time deposits serving consumers, small businesses, and municipal customers. The bank also generates revenue through ancillary services such as credit cards, merchant services, remote deposit capture, lockbox services, and investment services.

The company maintains a securities investment portfolio consisting of U.S. Government obligations, municipal bonds, corporate debt, mortgage-backed securities, mutual funds, and equity securities. Additionally, First Guaranty provides consumer banking services including mobile deposit capture, online and mobile banking, automated teller machines, and online bill pay. Founded in 1934, the bank maintains a regional presence with operations concentrated in Louisiana and Texas, serving as a community-oriented financial institution for its local markets.