Method for reducing charge loss in analog floating gate cell

A voltage reference circuit provides a reference voltage in response to a programmed threshold voltage of a first non-volatile memory (NVM) transistor. The threshold voltage of the first NVM transistor is programmed by applying a programming voltage to commonly connected source/drain regions of a tunneling capacitor, which shares a floating gate with the first NVM transistor. During normal operation of the voltage reference circuit, the source/drain regions of the tunneling capacitor are connected to a second NVM transistor that has the same electrical and thermal characteristics as the floating gate of the first NVM transistor. As a result, charge loss from the floating gate of the first NVM transistor is advantageously minimized.