First Guaranty Bancshares, Inc.

First Guaranty Bancshares, Inc. is a Louisiana corporation and financial holding company based in Hammond, Louisiana. Its wholly-owned subsidiary, First Guaranty Bank, is a Louisiana state-chartered commercial bank that offers personalized commercial banking services through 30 banking facilities. These facilities are primarily located in the metropolitan/micropolitan statistical areas of Hammond, Baton Rouge, Lafayette, Shreveport-Bossier City, and Alexandria, Louisiana; Dallas-Fort Worth-Arlington and Waco, Texas; Vanceburg, Kentucky; and Bridgeport, West Virginia. As of March 9, 2026, First Guaranty plans to exit the Dallas-Fort Worth-Arlington and Waco, Texas markets. The company's main business involves attracting deposits from the general public and local municipalities in its market areas and then investing these deposits. It also generates funds from operations and borrowings in lending and investing in securities. First Guaranty serves the credit needs of its customers, providing commercial real estate loans, commercial and industrial loans, commercial leases, one-to-four-family residential real estate loans, construction and land development loans, agricultural and farmland loans, and to a lesser extent, consumer and multifamily loans. It also participates in syndicated loans, including shared national credits, with other financial institutions. First Guaranty offers various deposit accounts to consumers, small businesses, and municipalities, such as personal and business checking and savings accounts, time deposits, and money market accounts. Consumer services include credit cards, mobile deposit capture, safe deposit boxes, official checks, and automated teller machines. For business customers, additional solutions include credit cards, merchant services, remote deposit capture, ACH origination, and lockbox services. The company is expanding its digital services through an enhanced online banking system (including a mobile app) that features bill pay, budgeting tools, Biller Direct, Credit Aware powered by Savvy Money, and Card Swap. For micro and small businesses, it offers Autobooks through its online banking channel.