First Guaranty Bank

Headquarters: Hammond, Louisiana
Charter: Bank
Assets: $3.9B
Fed district: Atlanta
Regulator: FDIC
Holding company: Smith&hood Holding Co L L C

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: First Guaranty Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Account DetailsFGB Debit Cards $6 to $15
Compared at $10.50, the middle of its prices
First Guaranty Bank: $6 to $15
First Guaranty Bank: $6 to $15
U.S. median: no median
Overdraft (OD)
First Guaranty Bank: $38
First Guaranty Bank: $38
U.S. median: no median
NSF / Returned Item
First Guaranty Bank: $38
First Guaranty Bank: $38
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Louisiana: Banks and credit unions headquartered in Louisiana that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 13% from Q3 2025 to Q2 2026, to $794K.

Service-charge income, Q2 2026

$794K

$908KQ3 2025

$853KQ4 2025

$814KQ1 2026

$794KQ2 2026

Against the median

First Guaranty BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$3.6B to $4.1B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.26 (27%) above the median of similar-sized banks.

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

First Guaranty Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Guaranty Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $794K
vs prior quarter: −$20K−2.5%; from Q1 2026
vs a year earlier: −$102K−11.4%; from Q2 2025
vs start of range: −$116K−12.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Guaranty Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Guaranty Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$6
per month
Monthly service charge$15
per month
Early Account Closing (within 90 days)$25
Dormant Account Fee (per month)$5
per month
Research/Assistance (per hour; $5.00 min)$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft (OD)$38
per item
Overdraft (OD) Paid Item/NSF Return Item Charge$38
NSF Return Item Charge$38
per item

ATM & Card

ATM INQ Fee$2.50
ATM WD Fee$2.50
Replacement Card Fee$5
Cross-Border Transaction fee0.9%of the transaction
per transaction
Currency Conversion fee0.2%of the transaction
per transaction

Check Services

Official Checks$5
Stop Payment (request or renewal)$38
Check Collection Items: Domestic$25
Check Collection Items: International$50

Digital & Electronic

Bill Pay (Unlimited Transactions; 3rd party interest charged may apply)No charge

Cash & Deposit

Charge Back Fee (returned deposited checks)$5
Night Depository Service Fee (per year)$20
Not compared: Annual charge, not per item
per year

Account Services

Replacement of Lost Key$35
Not compared: Box drilling or key fee
Levies/Garnishment (per occurrence)$50
per item
Verification of Deposit/Mortgage$25

Other Fees

Copies (per page)$3
Not compared: Charged per page; comparison unavailable
per page
Statement Printout (per statement)$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$6	per month	None
Monthly service charge	$15	per month	None
Early Account Closing (within 90 days)	$25	Not stated	None
Dormant Account Fee (per month)	$5	per month	None
Research/Assistance (per hour; $5.00 min)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft (OD)	$38	per item	None
Overdraft (OD) Paid Item/NSF Return Item Charge	$38	Not stated	None
NSF Return Item Charge	$38	per item	None
ATM & Card
ATM INQ Fee	$2.50	Not stated	None
ATM WD Fee	$2.50	Not stated	None
Replacement Card Fee	$5	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	$5	Not stated	None
Stop Payment (request or renewal)	$38	Not stated	None
Check Collection Items: Domestic	$25	Not stated	None
Check Collection Items: International	$50	Not stated	None
Digital & Electronic
Bill Pay (Unlimited Transactions; 3rd party interest charged may apply)	No charge	Not stated	None
Cash & Deposit
Charge Back Fee (returned deposited checks)	$5	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)	$50	per item	None
Verification of Deposit/Mortgage	$25	Not stated	None
Other Fees
Copies (per page)	$3Not compared: Charged per page; comparison unavailable	per page	None
Statement Printout (per statement)	$5	Not stated	None

Correct a fee source

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.

Branches and public record

Where First Guaranty Bank operates, and what regulators and customers have on file.

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

8-K8-K2026-11-03View
8-K8-K2026-10-27View
8-K8-K PREFERRED DIVIDEND DECLARATION2026-10-27View
8-K8-K COMMON DIVIDEND DECLARATION2026-09-10View
10-Q10-Q2026-08-14View
8-K8-K2026-08-07View
8-K8-K2026-08-06View
8-K8-K2026-08-05View
8-K8-K2026-07-31View
8-K8-K2026-07-27View
8-K8-K2026-06-04View
8-K8-K2026-05-22View

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

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