{"filings":[{"id":602676,"accession_number":"0001408534-26-000049","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-05-22T17:20:35+00:00","items":["5.07"],"status":"ready","headline":"First Guaranty Bancshares shareholders elect all director nominees and approve proposals at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 7 director nominees elected: Vanessa R. Drew, Betsy K. Hood, Bruce McAnally, Marshall T. Reynolds, Jack Rossi, Edgar R. Smith III, Robert W. Walker.","Advisory vote on executive compensation passed with 9,958,082 For (98.1% of votes cast).","Ratification of EisnerAmper LLP as auditor for 2026 approved with 11,671,383 For (99.3% of votes cast).","Broker non-votes present on director elections (1,706,055) and say-on-pay (1,706,055), none on auditor ratification.","Annual meeting held May 21, 2026; all proposals received required majority."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92681,"accession_number":"0001408534-26-000037","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty Bancshares posts Q1 net income of $2.7M vs. loss of $6.2M YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.7M, EPS $0.14; compares to net loss of $6.2M, loss per share of $0.54 in Q1 2025.","Nonperforming assets reduced $12.0M to $83.5M; bank risk-weighted capital ratio improved to 14.71% from 13.48%.","Provision for credit losses $2.6M, sharply down from $14.5M a year ago; loan charge-offs $5.4M in Q1 2026.","Total loans decreased 7.0% to $1.9B; deposits down 3.5% to $3.5B as part of balance sheet de-risking.","Book value per common share fell to $11.91 from $17.21 due to large increase in shares outstanding (16.0M vs 12.7M)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92680,"accession_number":"0001408534-26-000035","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["1.02"],"status":"ready","headline":"First Guaranty Bank buys back three properties from related party for $14.77M, terminates leases","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Purchased three properties from FGB Partners for $14.77M cash on April 29, 2026, terminating 15-year lease agreements.","Properties were originally sold in a sale-leaseback on June 28, 2024; leases had initial 15-year term with renewal options.","FGB Partners is owned by Chairman's son Douglas V. Reynolds, director Edgar Ray Smith III, and estate of former director.","The transaction eliminates future rent obligations and transfers real estate ownership back to the bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92679,"accession_number":"0001408534-26-000033","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-05-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares $0.421875 per depositary share quarterly dividend on Series A Preferred Stock","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.421875 per depositary share declared on Series A Preferred Stock.","Dividend payable June 1, 2026 to holders of record as of May 15, 2026.","Underlying Series A Preferred Stock dividend is $16.875 per share.","This is a regular quarterly distribution at the stated 6.75% fixed rate."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92678,"accession_number":"0001408534-26-000030","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-04-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty Bancshares reports Q1 net income of $2.7M vs loss of $6.2M a year ago","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.7M vs $(6.2)M in Q1 2025; diluted EPS $0.14 vs $(0.54).","Nonperforming assets reduced $12.0M; bank risk-weighted capital ratio up 123bps to 14.71%.","Total loans fell 7.0% to $1.9B; deposits down 3.4% to $3.5B from Dec 31, 2025.","Provision for credit losses decreased to $2.6M from $14.5M in prior-year quarter.","Common dividend maintained at $0.01 per share; 131 consecutive quarterly dividends paid."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92677,"accession_number":"0001408534-26-000027","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-04-22T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"First Guaranty Bancshares elects Betsy K. Hood to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ms. Hood elected to the Board of Directors on April 16, 2026.","No committee appointments made or expected at this time.","Hood has 25+ years in retail automotive; is Dealer Principal of Hood Automotive Group."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103700,"accession_number":"0001408534-26-000016","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-03-24T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"First Guaranty waives nine quarterly principal payments on $39.3M note, extends stock interest option through 2028","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Company waives principal payments of $1,007,812.50 per quarter on Promissory Note from March 2026 to March 2028 (9 quarters).","Interest on both notes may be paid in common stock at company's option through March 31, 2028.","Related party transaction: Lender is Smith & Tate, controlled by director/principal shareholder Edgar Ray Smith III.","Next principal payment due June 30, 2028; final maturity remains October 5, 2033."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103699,"accession_number":"0001408534-26-000012","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-03-17T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares $0.01 quarterly common dividend, 131st consecutive quarterly dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.01 per share declared on common stock, payable March 31, 2026.","Record date for dividend: March 27, 2026.","This marks the 131st consecutive quarterly dividend paid to common shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103698,"accession_number":"0001408534-26-000010","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-03-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"First Guaranty Bancshares to sell Texas branches to Armstrong Bank for ~$270M deposits, $110M loans","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Sale of five Texas branches (four in Dallas-Fort Worth metroplex, one in Waco) to Armstrong Bank.","Transaction includes ~$270M in deposits and ~$110M in loans with a 7.65% deposit premium.","Expected to increase First Guaranty Bank's Tier 1 leverage ratio by approximately 100 bps.","Transaction approved by both boards; expected to close in Q3 2026 subject to customary conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103697,"accession_number":"0001408534-26-000007","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-02-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FGBI reports FY2025 net loss of $56M ($4.17/sh); Q4 net income $2.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $56.0M for 2025 vs net income of $12.4M in 2024; diluted EPS loss of $4.17 vs $0.81.","Q4 2025 net income of $2.5M ($0.12 EPS) vs $1.0M ($0.03 EPS) in Q4 2024; CEO notes positive common earnings of $1.9M.","Provision for credit losses surged to $81.7M in 2025 from $20.0M in 2024; annual loan charge-offs were $77.2M.","Total loans decreased 23.2% to $2.1B; deposits grew 4.5% to $3.6B; nonperforming assets fell to $95.5M from $126.3M at Sep 30.","Full-year cash dividends per common share reduced to $0.04 from $0.41 in 2024; Q4 dividend unchanged at $0.01."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103696,"accession_number":"0001408534-26-000005","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-02-09T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares $0.421875 quarterly dividend on Series A Preferred Stock","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $16.875 per share of Series A Preferred Stock declared (equivalent to $0.421875 per depositary share).","Record date for depositary shares is February 15, 2026; payable March 2, 2026.","Dividend on preferred stock is non-cumulative; fixed rate of 6.75% per annum."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103695,"accession_number":"0001408534-26-000003","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty reports Q4 net income $2.5M; FY2025 net loss $56M on $43.4M charge-offs","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 EPS $0.12 vs $0.03 YoY; FY2025 EPS ($4.17) vs $0.81; FY net loss $56.0M (FY2024 net income $12.4M).","Total loans fell 23.2% to $2.1B; provision for credit losses $81.7M for FY2025 vs $20.0M in FY2024.","Nonaccrual loans decreased $48.9M to $59.6M; OREO surged to $35.1M from $0.3M, including $23.3M independent living center foreclosure.","CEO cited progress: nonperforming assets reduced $31.7M in Q4; risk-weighted capital ratio improved 114bps to 13.48%.","Dividend maintained at $0.01 per common share; tangible book value per share fell to $12.08 from $16.48."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119954,"accession_number":"0001408534-25-000096","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-12-10T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares $0.01 quarterly dividend, 130th consecutive","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.01 per common share declared, payable Dec. 31, 2025 to holders of record Dec. 26, 2025.","This marks the 130th consecutive quarterly dividend paid to common shareholders.","Dividend amount unchanged from the prior quarter; annualized yield minimal at current price.","Board declared the dividend on Nov. 20, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119953,"accession_number":"0001408534-25-000094","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-12-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"First Guaranty Bancshares appoints Evan Singer as Chief Lending Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Evan Singer appointed Chief Lending Officer of First Guaranty Bank, effective December 4, 2025.","Previous Chief Lending Officer resigned in November 2025.","Singer brings 16+ years of banking experience; previously President of Granger National Bank.","Singer previously held roles at First Guaranty (2008-2024) including Chief of M&A, Special Assets Manager.","Appointment part of transformation since July 2024; new leadership in credit, loan review, and risk."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119952,"accession_number":"0001408534-25-000090","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-11-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty Bancshares posts Q3 net loss of $45.0M on $47.9M credit provision","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS loss of $3.01 vs. income of $0.11 in Q3 2024; net loss $45.0M vs. income $1.9M.","$39.8M of the $47.9M provision tied to a single auto parts manufacturer bankruptcy.","Goodwill impairment charge of $12.9M non-cash; allowance for credit losses rose to 3.76% from 1.29%.","Total loans declined to $2.3B from $2.8B at year-end 2024; book value per share $12.25, down from $17.86.","Risk-weighted capital ratio improved to 12.34% from 11.66% a year ago; FTE count down to 339 from 404."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119951,"accession_number":"0001408534-25-000086","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty declares $0.421875 quarterly dividend on Series A Preferred Depositary Shares","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $16.875 per share on Series A Preferred Stock, or $0.421875 per Depositary Share.","Payable December 1, 2025 to holders of record as of November 15, 2025.","Distribution on Depositary Shares follows standard quarterly schedule; no change in dividend rate."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119950,"accession_number":"0001408534-25-000084","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-10-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty Bancshares Q3 2025 net loss $45M on $47.9M credit provision and $12.9M goodwill impairment","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $45.0M vs. net income of $1.9M in Q3 2024; EPS loss of $(3.01) vs. $0.11.","Provision for credit losses surged to $47.9M, including $39.8M related to one commercial lease relationship tied to a bankrupt auto parts manufacturer.","Goodwill impairment charge of $12.9M due to stock price below book value and higher credit provisions; no impact on regulatory capital.","Total loans fell $414M (15.4%) to $2.3B; deposits down $121.4M to $3.4B vs. Dec 31, 2024.","Dividend cut to $0.01 per common share (from $0.08) to preserve capital; CEO cites proactive reserving and improved risk-based capital ratio of 12.34%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.95,"calibrated_materiality_score":0.95,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136524,"accession_number":"0001408534-25-000074","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-08-25T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares $0.01 quarterly dividend; 129th consecutive","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $0.01 per share quarterly cash dividend, payable September 30, 2025.","Record date for the dividend is September 23, 2025.","This marks the 129th consecutive quarterly dividend paid to common shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136523,"accession_number":"0001408534-25-000073","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-08-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FGBI reports Q2 2025 net loss of $7.3M vs $7.2M net income in Q2 2024","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS of $(0.61) per common share, down from $0.53 in Q2 2024; six-month EPS $(1.15) vs $0.67.","Net interest income $22.2M, up $1.0M YoY; provision for credit losses surged to $16.6M from $6.8M.","Total loans declined to $2.41B from $2.51B in Q1 2025; allowance for credit losses increased to 2.44% of loans.","Non-performing assets reduced by $6.8M in Q2; $8.8M non-accrual loan sold in July 2025; 30-89 day delinquencies at 0.33%.","Cash dividend cut to $0.01 per common share in Q2 2025 vs $0.16 in Q2 2024; annual savings target of ~$13.4M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136519,"accession_number":"0001408534-25-000069","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K/A","filed_at":"2025-08-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty revises Q2 net loss to $7.3M; ups credit provision to $16.6M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $7.3M vs. previously reported $5.8M; EPS loss of $0.61 vs. $0.50.","Provision for credit losses increased to $16.6M from $14.7M; ACL now 2.44% of loans.","Net loss for H1 2025 is $13.5M vs. $9.5M profit in H1 2024; EPS loss $1.15 vs. $0.67 profit.","Nonaccrual loans $119.2M at June 30, 2025, up $10.7M from Dec 31, 2024; largest 6 relationships comprise 75%.","Book value per share fell to $15.21 from $17.75; dividend cut to $0.01 from $0.16."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136522,"accession_number":"0001408534-25-000063","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-08-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FGBI posts $5.8M Q2 net loss; provision for credit losses surges to $14.7M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $5.8M ($0.50 per share) vs net income of $7.2M ($0.53) in Q2 2024.","Provision for credit losses was $14.7M, up from $6.8M a year ago; allowance at 2.36% of loans.","Nonaccrual loans $119.2M at June 30; largest 6 relationships comprise 75% of NPAs.","Loan portfolio shrunk 10.5% YTD to $2.41B as part of CRE de-risking strategy.","Dividend cut to $0.01/share from $0.16; book value fell to $15.31 from $17.75."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136521,"accession_number":"0001408534-25-000056","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-07-21T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares Q3 preferred stock dividend of $0.421875 per depositary share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly distribution of $0.421875 per depositary share on Series A Preferred Stock declared.","Payable September 2, 2025 to holders of record as of August 15, 2025.","Underlying Series A Preferred Stock dividend is $16.875 per share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136518,"accession_number":"0001408534-25-000054","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K/A","filed_at":"2025-07-15T23:59:59+00:00","items":["3.02"],"status":"ready","headline":"First Guaranty Bancshares corrects share count; issued 2.23M shares including 161.8K at $8.10","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Aggregate common shares issued on June 30, 2025 corrected to 2,231,748 from 2,201,448.","Private placement of 161,760 shares at $8.10/share; no underwriting discounts paid.","Other shares issued via Exchange Agreement, Promissory Note Amendment, and Subordinated Note Amendment.","Proceeds from private placement will be used for general corporate purposes.","Offering exempt under Section 4(2)/Regulation D; all investors accredited."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136520,"accession_number":"0001408534-25-000051","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-07-07T23:59:59+00:00","items":["3.02","9.01"],"status":"ready","headline":"First Guaranty Bancshares issues 2.2M common shares in debt-for-equity swap and private placement","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 1,981,506 shares to director Edgar Ray Smith III in exchange for $15M subordinated note due 2032.","Private placement of 131,460 shares at $8.10/share for general corporate purposes.","Issued 36,060 and 52,422 shares as interest payments on promissory note and subordinated note to Smith & Tate.","All offerings are unregistered, relying on Section 4(2) and Regulation D exemptions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153697,"accession_number":"0001408534-25-000049","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-06-18T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"First Guaranty Bancshares to exchange $15M subordinated note for 1.98M common shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Exchange of $15M subordinated note (due 2032) held by director Edgar Ray Smith III for 1,981,506 newly issued common shares.","Expected closing on or about June 30, 2025; note will be cancelled and interest ceases.","Transaction reduces debt, interest expense, and replaces Tier 2 capital with common equity.","Exchange shares are unregistered; Smith is an accredited investor; customary conditions apply."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153696,"accession_number":"0001408534-25-000048","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-06-18T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"First Guaranty Bancshares replaces auditor GDHL with EisnerAmper","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Audit firm Griffith Delaney Hillman & Lett resigned on June 13, 2025; Audit Committee accepted.","No disagreements or reportable events occurred during fiscal years 2024, 2023, or interim period.","New independent auditor EisnerAmper LLP engaged for year ending December 31, 2025, effective June 13, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153695,"accession_number":"0001408534-25-000045","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-06-09T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"First Guaranty Bancshares defers principal payments, allows stock interest payments for four quarters","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Waived $1,007,812.50 quarterly principal payments on Promissory Note for June 2025 through March 2026.","Interest due from June 2025 to March 2026 on both notes can be paid in cash or common stock at company's option.","Subordinated Note interest payment frequency changed from monthly to quarterly.","Amendments with Smith & Tate Investment, entity controlled by director/principal shareholder Edgar Ray Smith III.","All other terms of notes remain unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153694,"accession_number":"0001408534-25-000042","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-05-20T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares $0.01 quarterly dividend; 128th consecutive payout","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.01 per common share declared; payable June 30, 2025 to holders of record June 23, 2025.","128th consecutive quarterly dividend to common shareholders.","Tickers: FGBI (common) and FGBIP (preferred) referenced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153693,"accession_number":"0001408534-25-000040","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-05-20T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"First Guaranty Bancshares shareholders elect all director nominees and approve proposals at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All seven director nominees elected: Drew, Hood, McAnally, Reynolds, Rossi, Smith, Walker.","Non-binding advisory vote on executive compensation passed with ~8.1M for, 23K against, 15K abstain.","Ratification of Griffith, DeLaney, Hillman & Lett as auditor for FY2025 approved with ~8.1M for.","Broker non-votes of ~4.36M on director elections and advisory vote."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153692,"accession_number":"0001408534-25-000038","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-05-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty Bancshares reports Q1 net loss of $6.7M; credit provision surges, dividend slashed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss to common shareholders of $6.7M ($0.54 per share) vs. $1.7M profit ($0.14) in Q1 2024.","Provision for credit losses surged to $14.5M from $2.3M; $70M loan sale added $5.8M loss to allowance.","Net interest income rose to $22.2M; business revenue after provision fell to $10.0M from $21.9M.","Non-interest expense cut to $18.0M; FTE employees reduced to 382 from 495 in June 2024.","Total risk-based capital improved to 12.74%; dividend slashed to $0.01 per share from $0.16."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153691,"accession_number":"0001408534-25-000033","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Q1 net loss $6.2M; CRE loan sale $70M; nonaccrual loans surge to $133M; dividend cut to $0.01","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $6.2M vs net income of $2.3M YoY; diluted EPS $(0.54) vs $0.14.","Sold two CRE loans totaling $70M, realized $5.8M loss; credit provision $14.5M (up from $2.3M).","Nonaccrual loans rose $24.9M to $133.4M; allowance for credit losses 1.71% vs 1.29%.","Loan balances declined 6.7% to $2.51B; deposits down $136.8M to $3.3B; assets $3.8B.","Common dividend reduced to $0.01 per share from $0.16; retained earnings fell to $66.1M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153690,"accession_number":"0001408534-25-000021","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-04-21T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"FGBI declares $0.421875 per depositary share quarterly dividend on Series A Preferred, payable June 2, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly distribution of $0.421875 per Depositary Share (1/40th of Series A Preferred).","Record date: May 15, 2025; payment date: June 2, 2025.","Underlying Series A Preferred dividend is $16.875 per share quarterly."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172391,"accession_number":"0001437749-25-009424","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-03-27T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"First Guaranty Bancshares elects Robert W. 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common dividend cut to $0.01","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $1.01M ($0.03 common EPS) vs $1.30M ($0.06) a year ago; full year $12.45M ($0.81) vs $9.22M ($0.62).","Provision for credit losses surged to $6.0M in Q4 (from $2.2M) and $20.0M full year (from $3.7M).","Common dividend slashed to $0.01 per share in Q4 from $0.16; full year dividends $0.41 from $0.64.","Total assets $3.97B, deposits $3.48B, loans $2.69B at Dec 31, 2024.","Net interest income grew to $22.6M in Q4 ($21.0M prior year) despite higher interest expense."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172387,"accession_number":"0001408534-25-000006","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"FGBI Q4 net income down 22.5% YoY; 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payable March 3, 2025.","Underlying Series A Preferred dividend is $16.875 per share (6.75% fixed rate).","Dividend amount unchanged, consistent with fixed-rate terms.","Payment made to depositary for distribution to FGBIP holders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189394,"accession_number":"0001408534-24-000098","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-12-26T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"First Guaranty Bancshares elects Bruce McAnally to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Bruce McAnally elected to the Board on December 19, 2024; no committee assignments yet.","McAnally previously served on First Guaranty Bank's board since June 2017 following the Synergy Bank acquisition.","He is a registered pharmacist, founder/director of RxPreferred Benefits, and director of Best Value Pharmacies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189393,"accession_number":"0001408534-24-000096","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-12-17T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares $0.01 quarterly common dividend; 126th consecutive quarter","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.01 per common share declared by Board on Dec 16, 2024.","Record date: Dec 27, 2024; payable on Dec 31, 2024.","This marks the 126th consecutive quarterly dividend paid to common shareholders.","Dividend amount remains at $0.01 per share, consistent with prior quarters."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189392,"accession_number":"0001408534-24-000090","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-11-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"First Guaranty Bancshares provides Q3 2024 investor presentation","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Investor presentation based on September 30, 2024 financial data furnished as Exhibit 99.1.","Presentation includes forward-looking statements subject to risks and uncertainties.","No specific financial results or guidance figures extractable from the filing text provided.","Presentation available for investor review but no new material disclosures beyond existing data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189391,"accession_number":"0001408534-24-000087","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty Bancshares Q3 net income $1.93M, EPS $0.11; dividend cut to $0.08","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2024 net income $1.927M ($0.11 per common share) vs $1.772M ($0.10) a year ago.","Net interest income $22.698M; provision for credit losses surged to $4.904M from $0.627M.","Quarterly cash dividend cut to $0.08 per share from $0.16 in Q3 2023.","YTD net income $11.438M ($0.78 EPS) vs $7.916M ($0.56); book value per common share $17.86.","Total assets $3.924B, up 15% YoY; loans $2.770B, deposits $3.430B."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189390,"accession_number":"0001408534-24-000086","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"First Guaranty Bancshares Q3 net income up 8.7% to $1.9M; provision and nonaccruals surge","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 EPS $0.11 vs $0.10 YoY; net income $1.9M vs $1.8M. Nine-month EPS $0.78 vs $0.56, net income +44.5% to $11.4M.","Provision for credit losses jumped to $4.9M in Q3 (vs $0.6M); YTD charge-offs $13.7M vs $2.0M. ACL to loans 1.20% (Dec 2023: 1.13%).","Nonaccrual loans rose to $65.8M from $25.2M at Dec 2023, driven by a $37.0M commercial real estate relationship with a $4.1M specific reserve.","Total assets up $371M to $3.9B; deposits increased 14% to $3.4B. Loan growth modest at 0.8%.","Board declared $0.08 per share dividend; paid 125 consecutive quarterly dividends. Sale-leaseback gain of $13.2M pre-tax."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189389,"accession_number":"0001408534-24-000081","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-10-21T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares Series A preferred dividend of $0.421875 per depositary share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly distribution of $0.421875 per depositary share, payable Dec 2, 2024.","Record date for depositary shares is Nov 15, 2024; underlying preferred dividend $16.875/share.","Dividend rate unchanged at 6.75% fixed on Series A Non-Cumulative Perpetual Preferred Stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205890,"accession_number":"0001408534-24-000079","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-09-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"First Guaranty cuts Q3 dividend to $0.08 from $0.16; cites strategy shift for capital accretion","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend cut from $0.16 to $0.08 per share for Q3 2024; 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gain on asset sale boosts results","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2024 net income $7.2M ($0.53 EPS) vs $2.7M ($0.19 EPS) in Q2 2023; YTD net income $9.5M.","Net interest income $21.2M, up 1.6% YoY; provision for credit losses surged to $6.8M from $0.5M.","Noninterest income $15.5M including $13.2M gain on sale of assets vs $2.8M in prior-year quarter.","Total assets $3.6B, deposits $3.0B; book value per common share $17.76 vs $18.00 a year ago.","Quarterly cash dividend maintained at $0.16/share; 124 consecutive dividends paid."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205887,"accession_number":"0001408534-24-000067","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-07-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"First Guaranty cuts dividend to $0.08, reports $36.9M nonaccrual loan, 15% staff reduction","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.2M vs $2.7M YoY (EPS $0.53) boosted by $13.2M pre-tax gain from branch sale-leaseback.","Nonaccrual loans surge to $62.3M from $25.2M; one $36.9M CRE relationship drives increase.","Provision for credit losses jumps to $6.8M from $0.5M; Q2 charge-offs total $8.8M.","Board plans $0.08 quarterly dividend for Q3/Q4 2024, down from $0.16 per share maintained in Q2.","71 positions eliminated (15% workforce); expects $12M annual pre-tax cost savings starting Q4 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205886,"accession_number":"0001408534-24-000062","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-07-22T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"First Guaranty Bancshares declares $0.421875 quarterly dividend on depositary shares","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared $16.875 per share dividend on Series A Preferred Stock.","Depositary shares (FGBIP) will receive $0.421875 per share quarterly distribution.","Record date: August 15, 2024; payable date: September 3, 2024.","Dividend rate unchanged at 6.75% per annum on Series A Preferred Stock.","Payment to be made through depositary to holders of depositary shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205885,"accession_number":"0001408534-24-000060","cik":1408534,"company_name":"First Guaranty Bancshares, Inc.","ticker":"FGBI","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"First Guaranty Bancshares sells three bank branches for $15M in sale-leaseback with related parties","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold three Louisiana properties to FGB Partners (owned by three directors/Chairman) for $15M cash.","Bank entered 15-year absolute net leases; no branches closing or market exits.","Transaction yields pre-tax gain of $13.2M ($10.4M after tax).","First full-year rent expense estimated at $1.3M pre-tax ($1.0M after tax).","Leases include 5-year CPI rent adjustments with 3% floor and standard net lease obligations."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":170569620.70116153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2024-07-01T23:59:59+00:00|205885"}