LA lenders / Community Bank
First Guaranty Bank
Community Bank · Hammond, LA · Smith&Hood Holding Co L L C
- Total assets
- $4.0B
- CRE loan book
- $1.1B
- QoQ CRE growth
- -10.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.37% as of Q1 2026 — TX bank median 4.87% (1.50pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.37% | 6.66% |
| Q4 2025 | 6.22% | 6.49% |
| Q3 2025 | 6.42% | 6.70% |
| Q2 2025 | 6.41% | 6.66% |
| Q1 2025 | 6.12% | 6.60% |
| Q4 2024 | 6.27% | 6.75% |
| Q3 2024 | 6.61% | 7.11% |
| Q2 2024 | 6.28% | 6.81% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.1B | $109.8M | $128.0M | 279% | $33.5M |
| Q4 2025 | $1.2B | $149.5M | $144.2M | 313% | $35.9M |
| Q3 2025 | $1.4B | $231.2M | $137.6M | 350% | $75.2M |
| Q2 2025 | $1.5B | $268.8M | $144.9M | 329% | $96.1M |
| Q1 2025 | $1.5B | $288.3M | $144.5M | 341% | $111.0M |
| Q4 2024 | $1.7B | $330.0M | $165.1M | 370% | $85.3M |
| Q3 2024 | $1.7B | $323.1M | $162.2M | 366% | $45.8M |
| Q2 2024 | $1.7B | $355.2M | $160.3M | 398% | $44.5M |
Signals
Recent news
- First Guaranty Bancshares (FGBI) earns Q2 profit but faces FDIC capital Consent Order - Stock Titan — Coverage of First Guaranty Bank related to earnings and regulatory matters reported by stocktitan.net.Aug 14, 2026
- First Guaranty Bancshares Enters Capital-Focused Consent Order - The Globe and Mail — Coverage of First Guaranty Bank related to regulatory matters reported by theglobeandmail.com.Aug 8, 2026
- First Guaranty Bank Agrees to FDIC Consent Order, Tightens Capital, Loan, and CRE Risk Controls - Minichart — Coverage of First Guaranty Bank related to commercial real estate and regulatory matters reported by minichart.com.sg.Aug 8, 2026
- First Guaranty Bancshares enters consent order with FDIC and Louisiana regulators - Investing.com UK — Coverage of First Guaranty Bank related to regulatory matters reported by m.uk.investing.com.Aug 8, 2026
- First Guaranty Bancshares Enters Capital-Focused Consent Order - TipRanks — Coverage of First Guaranty Bank related to regulatory matters reported by tipranks.com.Aug 7, 2026
- First Guaranty Bancshares enters consent order with FDIC and Louisiana regulators - Investing.com India — Coverage of First Guaranty Bank related to regulatory matters reported by m.in.investing.com.Aug 7, 2026
- First Guaranty Bancshares enters consent order with FDIC and Louisiana regulators - Investing.com — Coverage of First Guaranty Bank related to regulatory matters reported by m.investing.com.Aug 7, 2026
- Form 8K First Guaranty Bancshares Inc For: 7 August By Investing.com - Investing.com Canada — Coverage of First Guaranty Bank related to commercial real estate and lending reported by ca.investing.com.Aug 7, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Community BankCommunity Bank · Bluefield · $1.1B CRE book
- Kennebunk Savings BankCommunity Bank · Kennebunk · $1.1B CRE book
- American Momentum BankCommunity Bank · College Station · $1.1B CRE book
- Stearns Bank National AssociationCommunity Bank · Saint Cloud · $1.1B CRE book
- Northbrook Bank and Trust Company, National AssociationCommunity Bank · Northbrook · $1.1B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.