First Guaranty Bancshares, Inc. · NASDAQ:FGBI

First Guaranty Bancshares — Q3 2024 Earnings Presentation

8 slides from First Guaranty Bancshares's earnings presentation, Nov 8, 2024

  1. Slide 1: Financial Data as of Third Quarter 2024

    Financial Data as of Third Quarter 2024

  2. Slide 2: Certain Important Information: Caution Regarding Forward Looking Statements

    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: First Guaranty Bancshares, Inc.

    FIRST GUARANTY BANCSHARES, INC.

  4. Slide 4: Financial Highlights

    FINANCIAL HIGHLIGHTS  Total assets increased YoY by 14.8% to $3.9 billion  Total loans increased YoY by 2.6% to $2.8 billion  QTD net income of $1.9 million  QTD earnings per common share of $0.11  Net interest margin increased by 3 bps to 2.51% in 3Q compared to 2.48% in 2Q.  Return on averag

  5. Slide 5: Loan Portfolio

    LOAN PORTFOLIO Source: Company documents, as September 30, 2024  Loan growth of 2.6% YOY 18.4% growth in loan interest income YOY  Loan yield of 7.05% 3Q 2024 and 6.54% for 3Q 2023  Loan participation strategy facilitated industry concentration management and efficient use of capital Growth in

  6. Slide 6: Credit Summary

    173.36% 122.79% 50.59% 0.00% 20.00% 40.00% 60.00% 80.00% 100.00% 120.00% 140.00% 160.00% 180.00% 200.00% 2022 2023 2024 CREDIT SUMMARY Source: Company documents, as of and for the nine months ended September 30, 2024 ACL/NONACCRUALS HISTORICAL ASSET QUALITY 0.47% 1.17% 1.71% 0.18% 0.17% 0.62% 0.00%

  7. Slide 7: Deposit Portfolio

    Demand ‐ Noninterest 11.7% Demand ‐ Interest43.8% Savings 6.8% Time Deposits 37.7% HIGHLIGHTS  Total YoY deposit growth of 21.8%  New Markets opened • Bridgeport, WV Branch opened 4/17/2024 • Mideast market total deposits of approximately $91.5 million with over 1,000 deposit accounts  Long histo

  8. Slide 8: First Guaranty Bancshares, Inc.

    FIRST GUARANTY BANCSHARES, INC.

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