First Guaranty Bancshares, Inc. Defensive Interval Ratio
First Guaranty Bancshares, Inc. defensive interval ratio. First Guaranty Bancshares, Inc. (FGBI) has a Defensive Interval Ratio of 61911 days as of June 2026. Defensive assets of $1.23 Billion (cash $-, short-term investments $1.21 Billion, receivables $11.88 Million) cover 61911 days of daily cash needs of $19.80K/day. See working capital to net assets 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
Defensive Interval Ratio of First Guaranty Bancshares, Inc. (2007–2025)
Defensive interval ratio of First Guaranty Bancshares, Inc. from 2007 to 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 June 2026, the ratio stands at 61911 days, meaning defensive assets of $1.23 Billion can fund 61911 days of operations without new revenue. Check FGBI cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
First Guaranty Bancshares, Inc. Defensive Interval Ratio by Year (2007–2025)
First Guaranty Bancshares, Inc. defensive interval ratio by year from 2007 to 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 the complete balance sheet picture, see First Guaranty Bancshares, Inc. total assets.
| 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 | — |