SMITH&HOOD HOLDING CO L L C is the parent banking group. FIRST GUARANTY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

FHD

SMITH&HOOD HOLDING CO L L C

Legal name: SMITH & HOOD HOLDING COMPANY, L.L.C.

1 active bank · $4.0B combined assets

RSSD ID: 4991076 (FFIEC NIC)

Combined Assets

$4.0B

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST GUARANTY BANKHAMMOND, LASatisfactory$4.0BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$4.0B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$3.5B

Net Income

$3M

ROA (avg)

0.34%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

568

Origination Rate

72.54%

Denial Rate

7.75%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
FIRST GUARANTY BANK	HAMMOND, LA	FDIC	$4.0B	Satisfactory	May 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.