First Guaranty Bancshares is a bank holding company. Through its subsidiary, First Guaranty Bank, Co. provides personalized commercial banking services. Co.'s principal business consists of accepting deposits and investing those deposits. It also includes generating funds from operations and borrowings in lending and in securities activities to serve the credit needs of its customer base, including commercial real estate loans, commercial and industrial loans, commercial leases, 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.