First Guaranty Bank


36 Main Street
Martin, KY 41649
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Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Guaranty Bank is an FDIC insured institution located in Martin, KY. It was founded in 1999 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35058
Date Established 1999
Assets $ 47.65 million
Loans $ 20.08 million
Deposits $ 41.40 million
Capital $ 5.27 million

For a more detailed analysis of First Guaranty Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 30, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 30, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Guaranty Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.789% 2.750% 0.50 $1,250 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to First Guaranty Bank
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Financial Details

First Guaranty Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Guaranty Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Guaranty Bank U.S. Bank Average
18.45% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Guaranty Bank had $1,008,000 in non-current loans and $15,000 in owned real estate. To cover these potential losses it had $5,268,000 in equity and $277,000 in loans loss reserves. That gives it a Texas Ratio of 18.45%.

Return on Equity
First Guaranty Bank U.S. Bank Average
0.98% 7.80%

First Guaranty Bank has a Return on Equity of 0.98% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First Guaranty Bank U.S. Bank Average
11.06% 12.68%

First Guaranty Bank has a Capitalization of 11.06% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Guaranty Bank Balance Sheet Analysis

As of March 31, 2017, First Guaranty Bank had assets of $47,646,000, loans of $20,077,000, and deposits of $41,401,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 20.08 million
Loan loss allowance $ 0.28 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 41.40 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 47.65 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Guaranty Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Kentucky, First Guaranty Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 38.40
Credit Card Loans 0.00
Consumer Auto Loans 4.45
Small Business Loans 31.62
Construction and Development Loans 2.36
Commercial Real Estate 32.25
Commercial and Industrial Loans 10.40
Farm Loans 0.00

Frequently Asked Questions About First Guaranty Bank

Branches and Savings

Is First Guaranty Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35058.

Why does First Guaranty Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Guaranty Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Guaranty Bank a commercial bank?


Where are First Guaranty Bank locations?

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Is First Guaranty Bank open on Saturdays?

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Are First Guaranty Bank ATMs Open 24/7?

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Will First Guaranty Bank notarize my document?

What address for First Guaranty Bank should I put for incoming ACH transfers?

Will the First Guaranty Bank branch print checks?

Do First Guaranty Bank checks expire?

Does First Guaranty Bank require US citizenship to open account?

Can First Guaranty Bank close my account?

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Does First Guaranty Bank Use Equifax?

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What is First Guaranty Bank's SWIFT code?


Does First Guaranty Bank offer mortgages?

Compare mortgage rates here.

Does First Guaranty Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Guaranty Bank offer personal loans?

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Does First Guaranty Bank offer student loans?

Will First Guaranty Bank cash a check?

Will First Guaranty Bank redeem a savings bond?

Does First Guaranty Bank cash savings bonds?

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Does First Guaranty Bank do currency exchange?

Background on The Bank

Who owns First Guaranty Bank?

How long has First Guaranty Bank been around?

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Will First Guaranty Bank accept loose change?

Where is First Guaranty Bank headquarters?

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