First Guaranty Bancshares, Inc. · NASDAQ:FGBI

First Guaranty Bancshares — Investor Presentation (April 2023)

9 slides from First Guaranty Bancshares's investor presentation, Apr 26, 2023

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

    MARCH 2020 INVESTOR PRESENTATION Financial Data as of: First 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: Important Information and Where to Find It

    3 CERTAIN IMPORTANT INFORMATION IMPORTANT INFORMATION AND WHERE TO FIND IT This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval with respect to the proposed acquisition by First Guaranty of Lone Star. N

  4. Slide 4: America's Small Bank

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

  5. Slide 5: Financial Highlights

    5 FINANCIAL HIGHLIGHTS  Total assets increased YoY by 11.3% to $3.2 billion  Total loans increased YoY by 15.4% to $2.6 billion  QTD net income of $3.5 million  QTD earnings per common share of $0.27  Return on average assets of 0.45% for 1Q 2023  Return on average common equity of 5.80% for 1

  6. Slide 6: Loan Portfolio

    6 LOAN PORTFOLIO Source: Company documents, as March 31, 2023  Loan growth of 15.4% YOY 36.1% growth in loan interest income YOY  Loan yield of 6.12% YTD 2023 Commercial leases represent 11.7% of the loan portfolio, providing higher yields and shorter average lives than real estate secured loans

  7. Slide 7: Conservative Credit Culture

    7 119.95% 158.68% 128.16% 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 three months ended March 31, 2023 ACL/NONPERFORMING ASSETS HISTORICAL ASSET QUALITY 0.70% 0.47% 0.76% 0.

  8. Slide 8: Deposit Portfolio

    8 Demand ‐ Noninterest 18.1% Demand ‐ Interest53.5% Savings 7.2% Time Deposits 21.2% HIGHLIGHTS  Total YTD deposit growth of 5.10%. Total YOY deposit growth of 9.10%  Growth in Consumer, Business and Public Fund categories • YTD growth in all markets. LA +3.9%, TX+10.9%, Mideast +257%  New Market

  9. Slide 9: Bigger | Stronger | More Profitable

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

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