First Guaranty Bancshares, Inc. is a bank holding company operating through its subsidiary, First Guaranty Bank. The Banks's principal business consists of attracting deposits from the general public and local municipalities in its market areas and investing those deposits, together with funds generated from operations and borrowings in lending and in securities activities to serve the credit needs of the customer base, including commercial real estate loans, commercial and industrial loans, one- to four-family residential real estate loans, construction and land development loans, agricultural and farmland loans, and to a lesser extent, consumer and multifamily loans.
First Guaranty also participates in certain syndicated loans, including shared national credits, with other financial institutions. The Bank offers a variety of deposit accounts to consumers and small businesses, including personal and business checking and savings accounts, time deposits, money market accounts and demand accounts. In addition, First Guaranty offer a broad range of consumer services, including personal and commercial credit cards, remote deposit capture, safe deposit boxes, official checks, internet banking, automated teller machines, online bill pay, mobile banking and lockbox services.