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First Guaranty Bancshares FGBI Allowance for credit losses

Allowance for credit losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$25.93B+2.9%
Regions Financial logo
Regions FinancialRF
$1.53B-5.3%
WaFd, Inc. logo
WaFd, Inc.WAFD
$201.95M-0.4%
Heritage Financial logo
Heritage FinancialHFWA
$60.55M+16.1%
Bank First Corporation logo
Bank First CorporationBFC
$57.07M+30.4%
NB Bancorp, Inc. logo
NB Bancorp, Inc.NBBK
$80.2M+109%

Other financials

Income statement

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Revenue$22.9M-6.8%
Net income$2.7M+144%

Balance sheet

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Cash & equivalents$733.8M+18.7%
Total debt$10.9M-5.1%
Total equity$224.0M-10.9%
Total assets$4.0B+3.4%

Cash flow

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Operating cash flow$50.6M+839%
CapEx$167.0K-19.7%
Free cash flow$50.4M+873%

Valuation

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Market cap$165.79M+56.9%
Enterprise value-$557.04M-6.8%
P/S1.8×+0.7×

Profitability

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Net margin-50.3%-53.8pp
FCF margin37.6%+6.4pp

Returns & leverage

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Return on equity-19.8%-21.4pp
Debt / equity0.0×

Where this comes from

Reported directly by First Guaranty Bancshares in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: First Guaranty Bancshares’s 10-Q, filed May 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Guaranty Bancshares's allowance for credit losses?
First Guaranty Bancshares (FGBI) reported allowance for credit losses of $38.49M in Q1 2026.
How has First Guaranty Bancshares's allowance for credit losses changed year-over-year?
First Guaranty Bancshares's allowance for credit losses decreased by 10.5% year-over-year, from $43.02M to $38.49M.
What is the long-term trend for First Guaranty Bancshares's allowance for credit losses?
Over 5 years (2020 to 2025), First Guaranty Bancshares's allowance for credit losses has grown at a 10.7% compound annual growth rate (CAGR), from $24.52M to $40.76M.
What does allowance for credit losses mean?
Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.