First Guaranty Bancshares, Inc. - Asset Resilience Ratio
First Guaranty Bancshares, Inc. (FGBI) has an Asset Resilience Ratio of 29.73% as of March 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check First Guaranty Bancshares, Inc. strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2007–2025)
This chart shows how First Guaranty Bancshares, Inc.'s Asset Resilience Ratio has changed over time. See FGBI net asset quality score to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down First Guaranty Bancshares, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see market cap of First Guaranty Bancshares, Inc..
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.18 Billion | 29.73% |
| Total Liquid Assets | $1.18 Billion | 29.73% |
Asset Resilience Insights
- Very High Liquidity: First Guaranty Bancshares, Inc. maintains exceptional liquid asset reserves at 29.73% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
First Guaranty Bancshares, Inc. Industry Peers by Asset Resilience Ratio
Compare First Guaranty Bancshares, Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
Annual Asset Resilience Ratio for First Guaranty Bancshares, Inc. (2007–2025)
The table below shows the annual Asset Resilience Ratio data for First Guaranty Bancshares, Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.01% | $551.00K | $4.08 Billion | -7.06pp |
| 2024-12-31 | 7.08% | $281.10 Million | $3.97 Billion | +4.73pp |
| 2023-12-31 | 2.35% | $83.48 Million | $3.55 Billion | -1.82pp |
| 2022-12-31 | 4.17% | $131.46 Million | $3.15 Billion | -3.15pp |
| 2021-12-31 | 7.32% | $210.62 Million | $2.88 Billion | -2.33pp |
| 2020-12-31 | 9.65% | $238.55 Million | $2.47 Billion | -6.43pp |
| 2019-12-31 | 16.08% | $340.43 Million | $2.12 Billion | -0.26pp |
| 2018-12-31 | 16.34% | $296.98 Million | $1.82 Billion | -5.45pp |
| 2017-12-31 | 21.80% | $381.54 Million | $1.75 Billion | -4.68pp |
| 2016-12-31 | 26.48% | $397.47 Million | $1.50 Billion | +0.70pp |
| 2015-12-31 | 25.78% | $376.37 Million | $1.46 Billion | -7.12pp |
| 2014-12-31 | 32.91% | $499.81 Million | $1.52 Billion | -0.80pp |
| 2013-12-31 | 33.71% | $484.21 Million | $1.44 Billion | -8.95pp |
| 2012-12-31 | 42.66% | $600.30 Million | $1.41 Billion | +4.21pp |
| 2011-12-31 | 38.45% | $520.50 Million | $1.35 Billion | -3.96pp |
| 2010-12-31 | 42.40% | $480.33 Million | $1.13 Billion | +14.28pp |
| 2009-12-31 | 28.13% | $261.81 Million | $930.85 Million | +12.15pp |
| 2008-12-31 | 15.97% | $139.16 Million | $871.23 Million | -0.84pp |
| 2007-12-31 | 16.82% | $135.89 Million | $808.06 Million | -- |
About First Guaranty Bancshares, Inc.
First Guaranty Bancshares, Inc. operates as the holding company for First Guaranty Bank that provides commercial banking services in Louisiana and Texas. It offers various deposit products, such as personal and business checking, savings, money market, and demand deposits accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non… Read more