First Guaranty Bancshares, Inc. · NASDAQ:FGBI

First Guaranty Bancshares — Investor Presentation (October 2023)

8 slides from First Guaranty Bancshares's investor presentation, Oct 27, 2023

  1. Slide 1: Investor Presentation - Financial Data as of Third Quarter 2023

    MARCH 2020 INVESTOR PRESENTATION Financial Data as of: Third Quarter 2023 NASDAQ: FGBI www.fgb.net

  2. Slide 2: Caution Regarding Forward Looking Statements

    2 CERTAIN IMPORTANT INFORMATION CAUTION REGARDING FORWARD LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended with respect to the finan

  3. Slide 3: America's Small Bank

    AMERICA’S LS] * x gale icas |! r | f BANK | 202 c = 2024 L a SMALL BANK 3 warcina row!

  4. Slide 4: Financial Highlights

    4 FINANCIAL HIGHLIGHTS  Total assets increased YoY by 10.4% to $3.4 billion  Total loans increased YoY by 11.7% to $2.7 billion  QTD net income of $1.8 million  QTD earnings per common share of $0.10  Return on average assets of 0.21% for 3Q 2023  Return on average common equity of 2.27% for 3

  5. Slide 5: Loan Portfolio

    5 LOAN PORTFOLIO Source: Company documents, as September 30, 2023  Loan growth of 11.7% YOY 35% growth in loan interest income YOY  Loan yield of 6.32% YTD 2023 and 6.54% for 3Q 2023 Commercial leases represent 10.8% of the loan portfolio, providing higher yields and shorter average lives than r

  6. Slide 6: Credit Summary

    6 143.76% 173.36% 124.97% 0.00% 20.00% 40.00% 60.00% 80.00% 100.00% 120.00% 140.00% 160.00% 180.00% 200.00% 2021 2022 2023 CREDIT SUMMARY Source: Company documents, as of and for the nine months ended September 30, 2023 ACL/NONACCRUALS HISTORICAL ASSET QUALITY 0.70% 0.47% 1.02% 0.13% 0.18% 0.05% 0.0

  7. Slide 7: Deposit Portfolio

    7 Demand ‐ Noninterest 16.3% Demand ‐ Interest51.0% Savings 7.6% Time Deposits 25.1% HIGHLIGHTS  Total YTD deposit growth of 3.35%. Total YOY deposit growth of 3.93%  New Markets opened • Vanceburg, KY Branch opened 1/18/23 • Bridgeport, WV Branch expected by year end • Mideast market total deposi

  8. Slide 8: Bigger | Stronger | More Profitable

    BIGGER | STRONGER | MORE PROFITABLE FIRST GUARANTY BANCSHARES, INC.

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