First Guaranty Bancshares, Inc. · NASDAQ:FGBI

First Guaranty Bancshares — Investor Presentation (August 2023)

8 slides from First Guaranty Bancshares's investor presentation, Aug 16, 2023

  1. Slide 1: Investor Presentation, Financial Data as of Second Quarter 2023

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

  2. Slide 2: Certain Important Information: 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 9.3% to $3.2 billion  Total loans increased YoY by 12.8% to $2.6 billion  QTD net income of $2.7 million  QTD earnings per common share of $0.19  Return on average assets of 0.34% for 2Q 2023  Return on average common equity of 4.19% for 2Q

  5. Slide 5: Loan Portfolio

    5 LOAN PORTFOLIO Source: Company documents, as June 30, 2023  Loan growth of 12.8% YOY 34.3% growth in loan interest income YOY  Loan yield of 6.21% YTD 2023 Commercial leases represent 10.9% of the loan portfolio, providing higher yields and shorter average lives than real estate secured loans

  6. Slide 6: Conservative Credit Culture

    6 119.95% 158.68% 123.91% 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 CONSERVATIVE CREDIT CULTURE Source: Company documents, as of and for the six months ended June 30, 2023 ACL/NONPERFORMING ASSETS HISTORICAL ASSET QUALITY 0.70% 0.47% 0.79% 0.13%

  7. Slide 7: Deposit Portfolio

    7 Demand ‐ Noninterest 16.8% Demand ‐ Interest52.3% Savings 8.0% Time Deposits 22.8% HIGHLIGHTS  Total YTD deposit growth of 1.60%. Total YOY deposit growth of 4.04%  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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