First Guaranty Bancshares, Inc. - Asset Resilience Ratio
First Guaranty Bancshares, Inc. (FGBI) has an Asset Resilience Ratio of 31.17% as of June 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. See First Guaranty Bancshares, Inc. working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see First Guaranty Bancshares, Inc. (FGBI) total assets.
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. Explore FGBI long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.21 Billion | 31.17% |
| Total Liquid Assets | $1.21 Billion | 31.17% |
Asset Resilience Insights
- Very High Liquidity: First Guaranty Bancshares, Inc. maintains exceptional liquid asset reserves at 31.17% 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 |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
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