Compared with Louisiana
9 of 15
compared fees are above the median.
3 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
71st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Louisiana median
of 15 compared; 3 below, 3 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for First Guaranty Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Guaranty Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.2% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (71st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $794K in Q2 2026, 11% below the same quarter a year earlier ($896K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 15 compared published fees sit above the Louisiana median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Louisiana medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Account DetailsFGB Debit Cards $6 to $15
Compared at $10.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 13% from Q3 2025 to Q2 2026, to $794K. Its share of revenue, 3.2%, is above the 2.2% median for banks with $1B to $10B in assets.
$794K
First Guaranty BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $6 to $15; we compare the midpoint.
First Guaranty Bank · $3.9B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Guaranty Bank(this institution) | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Utah | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank, National Association | Rockville, MD | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Colony Bank | Fitzgerald, GA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Capital Bank, SSB | Houston, TX | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Batesville, AR | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Bluefield, VA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First PREMIER Bank | Sioux Falls, SD | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frandsen Bank & Trust | Lonsdale, MN | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Bank and Trust Company | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Bank, National Association | Lafayette, LA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank of Kentucky | Owensboro, KY | $3.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manasquan Bank | Manasquan, NJ | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Kansas City | Kansas City, KS | $3.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10.50, the middle of its two prices, against a peer median of $8.24 among 16 publishing peers.
Its two checking prices are $6 and $15.
$10.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First Guaranty Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $794K | −$20K | −2.5% |
| Q1 2026 | $814K | −$39K | −4.6% |
| Q4 2025 | $853K | −$55K | −6.1% |
| Q3 2025 | $908K | +$12K | +1.3% |
| Q2 2025 | $896K | −$23K | −2.5% |
| Q1 2025 | $919K | −$6K | −0.6% |
| Q4 2024 | $925K | +$15K | +1.6% |
| Q3 2024 | $910K | +$41K | +4.7% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Guaranty Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Guaranty Bank by share.
Amounts from First Guaranty Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per transaction
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closing (within 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/Assistance (per hour; $5.00 min) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft (OD) | $38Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft (OD) Paid Item/NSF Return Item Charge | $38Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Return Item Charge | $38Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM INQ Fee | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM WD Fee | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Cross-Border Transaction fee | 0.9%of the transaction | per transaction | None |
| Currency Conversion fee | 0.2%of the transaction | per transaction | None |
Check Services | |||
| Official Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (request or renewal) | $38Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Collection Items: Domestic | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Collection Items: International | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay (Unlimited Transactions; 3rd party interest charged may apply) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Charge Back Fee (returned deposited checks) | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Night Depository Service Fee (per year) | $20Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Replacement of Lost Key | $35Not compared: Box drilling or key fee | Not stated | None |
| Levies/Garnishment (per occurrence) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit/Mortgage | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Printout (per statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Guaranty Bank operates, and what regulators and customers have on file.
Branch footprint
30 offices in 4 states, $3.5B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 6 | $2.2B | |
| Outside a metro area | 8 | $394.7M |
| 4 | $291.8M | |
| 4 | $191.8M | |
| 4 | $185.8M | |
| 1 | $113.8M | |
| 1 | $72.9M | |
| 1 | $32.6M |
Hammond, LA
55.9% of bank deposits, #1 of 13, up 18.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Hancock Whitney Bank | 13.2% |
| Regions Bank | 6.4% |
| Renasant Bank | 5.9% |
| BankPlus | 4.4% |
| Capital One, National Association | 4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Hammond, LA, First Guaranty Bank holds 55.9% of bank deposits, #1 of 13, with 6 offices.
41 offices of 21 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 13 institutions shown. $3.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 55.9% share, 6 offices, #1 of 13
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
11 offices of 8 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
First Guaranty Bancshares, Inc. (Nasdaq: FGBI)
Consolidated assets
$3.9B
Shareholders' equity
$227.3M
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1408534. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.