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First Guaranty Bancshares FGBI Time deposits

Time deposits at other companies

Central Pacific Financial logo
Central Pacific FinancialCPF
$6.67M-17.8%
Hanover Bancorp logo
Hanover BancorpHNVR
$4.73M-11.1%
Amerant Bancorp logo
Amerant BancorpAMTB
$18.25M-23.5%
Peoples Bancorp of North Carolina logo
Peoples Bancorp of North CarolinaPEBK
$2.67M-14.8%
National Bankshares logo
National BanksharesNKSH
$2.63M-20.5%
C&F Financial logo
C&F FinancialCFFI
$7.59M-4.7%

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 / equity0×0.0×

Where this comes from

Reported directly by First Guaranty Bancshares in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseTimeDeposits.

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 time deposits?
First Guaranty Bancshares (FGBI) reported time deposits of $18.6M in Q1 2026.
How has First Guaranty Bancshares's time deposits changed year-over-year?
First Guaranty Bancshares's time deposits increased by 17.0% year-over-year, from $15.89M to $18.6M.
What is the long-term trend for First Guaranty Bancshares's time deposits?
Over 4 years (2021 to 2025), First Guaranty Bancshares's time deposits has grown at a 47.7% compound annual growth rate (CAGR), from $12.89M to $61.29M.
What does time deposits mean?
This reflects the interest expense incurred on certificates of deposit and other time-bound deposit products. These instruments are typically used to lock in funding for specific durations, and this metric helps assess the bank's sensitivity to interest rate changes in its funding structure.