First Guaranty Bancshares, Inc. · NASDAQ:FGBI

First Guaranty Bancshares — Investor Presentation (2023)

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

  1. Slide 1: Investor Presentation

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

  2. Slide 2: Certain Important Information

    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 financi

  3. Slide 3: America's Best Banks recognition

    AMERICA’S — 7 = x* Ky KCK * Che a | AMERICA’S ERICA’S i BANK 2021 s BANKS 2022 So 2023 | = Newsweek =! SMALL BANK a Member FDIC

  4. Slide 4: Financial Highlights

    FINANCIAL HIGHLIGHTS 2023 HIGHLIGHTS  Total assets increased YoY by 10.4% to $3.4 billion For the Years Ended In $000s except for per share data 12/31/2020 12/31/2021 12/31/2022 3Q2023  Total loans increased YoY by 11.7% to $2.7 billion BALANCE SHEET  QTD net income of $1.8 million Total Assets $

  5. Slide 5: Loan Portfolio Highlights

    LOAN PORTFOLIO HIGHLIGHTS LOAN PORTFOLIO COMPOSITION 9/30/23  Loan growth of 11.7% YOY  35% growth in loan interest income YOY Residential  Loan yield of 6.32% YTD 2023 and 6.54% for 3Q 2023 Real Estate 20.0% Non‐Farm Non‐  Commercial leases represent 10.8% of the loan Residential 38.9% portfoli

  6. Slide 6: Credit Summary

    CREDIT SUMMARY ACL/NONACCRUALS NPAs/TOTAL ASSETS & NCOs/AVG LOANS 200.00% 1.40% 180.00% 173.36% 1.20% 160.00% 143.76% 1.02% 140.00% 1.00% 124.97% 120.00% 0.80% 0.70% 100.00% 0.60% 80.00% 0.47% 60.00% 0.40% 40.00% 0.18% 0.20% 0.13% 20.00% 0.05% 0.00% 0.00% 2021 2022 2023 2021 2022 2023 NPAs/Total Ass

  7. Slide 7: Deposit Portfolio

    DEPOSIT PORTFOLIO HIGHLIGHTS 9/30/2023 DEPOSIT MIX  Total YTD deposit growth of 3.35%. Total YOY deposit Savings growth of 3.93% 7.6%  New Markets opened • Vanceburg, KY Branch opened 1/18/23 Time Deposits 25.1% • Bridgeport, WV Branch expected by year end Demand ‐ • Mideast market total deposits

  8. Slide 8: First Guaranty Bancshares, Inc. Bigger | Stronger | More Profitable

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

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