First Guaranty Bancshares (FGBI) Interest Coverage Ratio (2010 - 2026)

First Guaranty Bancshares' Interest Coverage Ratio history runs 17 years deep, the most recent figure standing at 1.11 for Q1 2026.

• Quarterly Interest Coverage Ratio rose 46.49% year-over-year to 1.11 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.54 (down 79.83% YoY) and the FY2025 annual result came in at 0.47, down 58.12% from the prior year.
• Interest Coverage Ratio was 1.11 for Q1 2026 at First Guaranty Bancshares, up from 1.1 in the prior quarter.
• Across five years, Interest Coverage Ratio topped out at 2.65 in Q2 2022 and bottomed at 0.73 in Q3 2025.
• A 5-year average of 1.2 and a median of 1.1 in 2025 frame the typical range for Interest Coverage Ratio.
• Annual changes were most pronounced in 2025 — Interest Coverage Ratio plunged 167.89% — and 2026, when it surged 46.49%.
• First Guaranty Bancshares' Interest Coverage Ratio stood at 1.43 in 2022, then plunged by 31.53% to 0.98 in 2023, then advanced by 1.17% to 0.99 in 2024, then rose by 11.25% to 1.1 in 2025, then climbed by 1.19% to 1.11 in 2026.
• Business Quant data shows FGBI's Interest Coverage Ratio at 1.11 in Q1 2026, 1.1 in Q4 2025, and 0.73 in Q3 2025.