First Guaranty Bank and Trust Company of Jacksonville

Headquarters

1234 King Street
Jacksonville, FL 32203
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
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 and Trust Company of Jacksonville is an FDIC insured institution located in Jacksonville, FL. It was founded in 1947 and has approximately $0.4 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16579
Date Established 1947
Assets $ 397.08 million
Loans $ 258.01 million
Deposits $ 378.31 million
Capital $ 2.44 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Guaranty Bank and Trust Company of Jacksonville

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
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $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 and Trust Company of Jacksonville
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Branches

First Guaranty Bank and Trust Company of Jacksonville branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Guaranty Bank and Trust Company of Jacksonville Locations


Financial Details

First Guaranty Bank and Trust Company of Jacksonville Ratio Analysis

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

Texas Ratio
First Guaranty Bank and Trust Company of Jacksonville U.S. Bank Average
642.54% 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 and Trust Company of Jacksonville had $96,498,000 in non-current loans and $16,371,000 in owned real estate. To cover these potential losses it had $2,435,000 in equity and $15,131,000 in loans loss reserves. That gives it a Texas Ratio of 642.54%.

Return on Equity
First Guaranty Bank and Trust Company of Jacksonville U.S. Bank Average
-121.81% 7.80%

First Guaranty Bank and Trust Company of Jacksonville has a Return on Equity of -121.81% 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.

Capitalization
First Guaranty Bank and Trust Company of Jacksonville U.S. Bank Average
0.61% 12.68%

First Guaranty Bank and Trust Company of Jacksonville has a Capitalization of 0.61% 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 and Trust Company of Jacksonville Balance Sheet Analysis

As of December 31, 2011, First Guaranty Bank and Trust Company of Jacksonville had assets of $397,082,000, loans of $258,009,000, and deposits of $378,309,000. 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
ASSETS
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 $ 258.01 million
Loan loss allowance $ 15.13 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 16.37 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 378.31 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 $ 397.08 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
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 and Trust Company of Jacksonville’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First Guaranty Bank and Trust Company of Jacksonville’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About First Guaranty Bank And Trust Company Of Jacksonville

Branches and Savings

Is First Guaranty Bank And Trust Company Of Jacksonville FDIC insured?

Yes. It is covered under FDIC Certificate #16579.

Why does First Guaranty Bank And Trust Company Of Jacksonville 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 And Trust Company Of Jacksonville CD rates not competitive?

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

Is First Guaranty Bank And Trust Company Of Jacksonville a commercial bank?

Yes

Where are First Guaranty Bank And Trust Company Of Jacksonville locations?

See branch locations nearby.

Is First Guaranty Bank And Trust Company Of Jacksonville open on Saturdays?

Is First Guaranty Bank And Trust Company Of Jacksonville open on Sundays?

What time does First Guaranty Bank And Trust Company Of Jacksonville open?

What time does First Guaranty Bank And Trust Company Of Jacksonville close?

Are First Guaranty Bank And Trust Company Of Jacksonville ATMs Open 24/7?

Do First Guaranty Bank And Trust Company Of Jacksonville ATMs accept cash deposits?

Can First Guaranty Bank And Trust Company Of Jacksonville customers use other ATMs?

Do First Guaranty Bank And Trust Company Of Jacksonville branches have notaries?

Will First Guaranty Bank And Trust Company Of Jacksonville notarize my document?

What address for First Guaranty Bank And Trust Company Of Jacksonville should I put for incoming ACH transfers?

Will the First Guaranty Bank And Trust Company Of Jacksonville branch print checks?

Do First Guaranty Bank And Trust Company Of Jacksonville checks expire?

Does First Guaranty Bank And Trust Company Of Jacksonville require US citizenship to open account?

Can First Guaranty Bank And Trust Company Of Jacksonville close my account?

Does First Guaranty Bank And Trust Company Of Jacksonville Report to credit bureaus?

Does First Guaranty Bank And Trust Company Of Jacksonville Use Equifax?

What is First Guaranty Bank And Trust Company Of Jacksonville's ACH Routing Number?

What is First Guaranty Bank And Trust Company Of Jacksonville's SWIFT code?

Products

Does First Guaranty Bank And Trust Company Of Jacksonville offer mortgages?

Compare mortgage rates here.

Does First Guaranty Bank And Trust Company Of Jacksonville offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Guaranty Bank And Trust Company Of Jacksonville offer personal loans?

Compare personal loan rates here.

Does First Guaranty Bank And Trust Company Of Jacksonville offer student loans?

Will First Guaranty Bank And Trust Company Of Jacksonville cash a check?

Will First Guaranty Bank And Trust Company Of Jacksonville redeem a savings bond?

Does First Guaranty Bank And Trust Company Of Jacksonville cash savings bonds?

Will First Guaranty Bank And Trust Company Of Jacksonville cash money orders?

Can First Guaranty Bank And Trust Company Of Jacksonville issue a money order?

Does First Guaranty Bank And Trust Company Of Jacksonville do currency exchange?

Background on The Bank

Who owns First Guaranty Bank And Trust Company Of Jacksonville?

How long has First Guaranty Bank And Trust Company Of Jacksonville been around?

Can First Guaranty Bank And Trust Company Of Jacksonville transfer to other banks?

Does First Guaranty Bank And Trust Company Of Jacksonville have quick pay?

Does First Guaranty Bank And Trust Company Of Jacksonville accept rolled coins?

Will First Guaranty Bank And Trust Company Of Jacksonville accept loose change?

Where is First Guaranty Bank And Trust Company Of Jacksonville headquarters?

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