First Guaranty Bancshares, Inc. (FGBI) — Defensive Interval Ratio
First Guaranty Bancshares, Inc. (FGBI) has a Defensive Interval Ratio of 116 days as of March 2026. Defensive assets of $1.19 Billion (cash $-, short-term investments $1.18 Billion, receivables $13.92 Million) cover 116 days of daily cash needs of $10.23 Million/day. See working capital position of First Guaranty Bancshares, Inc. to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
First Guaranty Bancshares, Inc. Defensive Interval Ratio (2007–2025)
This chart shows how First Guaranty Bancshares, Inc.'s Defensive Interval Ratio has evolved across 19 annual periods from 2007 to 2025. As of March 2026, the ratio stands at 116 days, meaning defensive assets of $1.19 Billion can fund 116 days of operations without new revenue. See FGBI equity to assets ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for First Guaranty Bancshares, Inc. (2007–2025)
The table below presents the year-by-year Defensive Interval Ratio for First Guaranty Bancshares, Inc. from 2007 to 2025, covering 19 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see FGBI market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 667 days | $13.01 Million | $19.50K/day | $- | $551.00K | ▲ +613 days |
| 2024 | 54 days | $514.43 Million | $9.60 Million/day | $- | $281.10 Million | ▲ +8 days |
| 2023 | 45 days | $382.67 Million | $8.46 Million/day | $- | $83.48 Million | ▼ -13 days |
| 2022 | 58 days | $459.53 Million | $7.88 Million/day | $- | $131.46 Million | ▼ -7 days |
| 2021 | 65 days | $466.20 Million | $7.14 Million/day | $- | $210.62 Million | ▲ +7 days |
| 2020 | 58 days | $354.04 Million | $6.10 Million/day | $- | $238.55 Million | ▼ -10 days |
| 2019 | 68 days | $348.85 Million | $5.15 Million/day | $- | $340.43 Million | ▼ 0 days |
| 2018 | 68 days | $303.69 Million | $4.48 Million/day | $- | $296.98 Million | ▼ -23 days |
| 2017 | 91 days | $389.52 Million | $4.29 Million/day | $- | $381.54 Million | ▼ -20 days |
| 2016 | 111 days | $404.51 Million | $3.66 Million/day | $- | $397.47 Million | ▲ +3 days |
| 2015 | 107 days | $382.38 Million | $3.56 Million/day | $- | $376.37 Million | ▼ -27 days |
| 2014 | 134 days | $506.19 Million | $3.77 Million/day | $- | $499.81 Million | ▼ -2 days |
| 2013 | 137 days | $490.47 Million | $3.59 Million/day | $- | $484.21 Million | ▼ -38 days |
| 2012 | 174 days | $607.01 Million | $3.48 Million/day | $- | $600.30 Million | ▲ +17 days |
| 2011 | 158 days | $528.62 Million | $3.35 Million/day | $- | $520.50 Million | ▼ -16 days |
| 2010 | 174 days | $488.00 Million | $2.80 Million/day | $- | $480.33 Million | ▲ +54 days |
| 2009 | 120 days | $267.62 Million | $2.23 Million/day | $- | $261.81 Million | ▲ +54 days |
| 2008 | 66 days | $143.77 Million | $2.17 Million/day | $- | $139.16 Million | ▼ -4 days |
| 2007 | 70 days | $141.02 Million | $2.02 Million/day | $- | $135.89 Million | — |