First Guaranty Bancshares, Inc. · NASDAQ:FGBI

First Guaranty Bancshares — Q4 2024 Earnings Presentation

8 slides from First Guaranty Bancshares's earnings presentation, Feb 5, 2025

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

    Financial Data as of Fourth 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 11.8% to $4.0 billion  Total loans decreased YoY by 2.0% to $2.7 billion  QTD net income of $1.0 million  QTD earnings per common share of $0.03  Net interest margin decreased by 19 bps to 2.32% in 4Q compared to 2.51% in 3Q.  Return on avera

  5. Slide 5: Loan Portfolio

    LOAN PORTFOLIO Source: Company documents, as of December 31, 2024  Loan decrease of 2.0% YOY 13.9% growth in loan interest income YOY  Loan yield of 6.72% 4Q 2024 and 6.66% for 4Q 2023  Loan participation strategy facilitated industry concentration management and efficient use of capital Growth

  6. Slide 6: Credit Summary

    173.36% 122.79% 32.08% 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 year ended December 31, 2024 ACL/NONACCRUALS HISTORICAL ASSET QUALITY 0.47% 1.17% 3.03% 0.18% 0.17% 0.64% 0.00% 0.50% 1.

  7. Slide 7: Deposit Portfolio

    Demand ‐ Noninterest 11.6% Demand ‐ Interest39.9% Savings 6.8% Time Deposits 41.7% HIGHLIGHTS  Total YoY deposit growth of 15.5%  New Markets opened • Bridgeport, WV Branch opened 4/17/2024 • Mideast market total deposits of approximately $100.0 million with over 1,000 deposit accounts  Long hist

  8. Slide 8: First Guaranty Bancshares, Inc.

    FIRST GUARANTY BANCSHARES, INC.

First Guaranty Bancshares — Q4 2024 Earnings Presentation on 6ix