First Guaranty Bancshares Inc - Asset Resilience Ratio
First Guaranty Bancshares Inc (FGBI) has an Asset Resilience Ratio of 9.28% as of September 2025. 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. Read debt load of First Guaranty Bancshares Inc for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2007–2024)
This chart shows how First Guaranty Bancshares Inc's Asset Resilience Ratio has changed over time. See shareholders equity of First Guaranty Bancshares Inc for net asset value and shareholders' equity analysis.
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 | $352.40 Million | 9.28% |
| Total Liquid Assets | $352.40 Million | 9.28% |
Asset Resilience Insights
- Limited Liquidity: First Guaranty Bancshares Inc maintains only 9.28% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- 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 |
|---|---|---|
|
Bank of Ayudhya PCL
BK:BAY |
Banks - Regional | 4.13% |
|
First Merchants Corporation Depository Shares
NASDAQ:FRMEP |
Banks - Regional | 7.40% |
|
Banco Santander (Brasil) S.A.
SA:SANB3 |
Banks - Regional | 5.81% |
|
Capitol Federal Financial Inc
NASDAQ:CFFN |
Banks - Regional | 8.49% |
|
CB Financial Services Inc
NASDAQ:CBFV |
Banks - Regional | 17.58% |
|
KB Financial Group Inc
F:KBIA |
Banks - Regional | 12.09% |
|
Absa Group Ltd
JSE:ABG |
Banks - Regional | -3.45% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 29.29% |
Annual Asset Resilience Ratio for First Guaranty Bancshares Inc (2007–2024)
The table below shows the annual Asset Resilience Ratio data for First Guaranty Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 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, including personal and business checking, savings, money market, and demand accounts, as well as time deposits to consumers, small businesses, and municipalities. The company provides loans, such as non-farm, … Read more