---
schema_version: "secwatch.filing_event.v1"
accession: "0001408534-22-000082"
form_type: "8-K"
ticker: "FGBI"
cik: "0001408534"
company_name: "First Guaranty Bancshares, Inc."
filed_at: "2022-11-15T23:59:59+00:00"
generated_at: "2026-06-21T18:20:34.085651+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# First Guaranty Bancshares Q3 2022 EPS $0.70, up from $0.67; YTD EPS $2.05 vs $1.72

## Summary
- Q3 net income $8.1M; EPS $0.70 vs $0.67 YoY. Revenue (net interest+noninterest) $27.96M vs $25.59M.
- YTD net income $23.8M; EPS $2.05 vs $1.72. Net interest income $76.7M, up 18% from $64.9M.
- Total assets $3.1B, loans $2.4B (+17% YoY), deposits $2.7B (+6%). Quarterly dividend $0.16/share (117th consecutive).
- Resilient despite Hurricane Ida relief loan losses; management tightened criteria going forward.
- Return on avg assets 1.07% YTD vs 0.92%; return on avg common equity 15.29% vs 13.55%.

## SEC filing metadata
- accession: 0001408534-22-000082
- form_type: 8-K
- ticker: FGBI
- cik: 0001408534
- company_name: First Guaranty Bancshares, Inc.
- filed_at: 2022-11-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1408534/000140853422000082/0001408534-22-000082-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1408534/000140853422000082/fgbi-20221115.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-22-000082
- JSON: https://secwatch.observer/filing/0001408534-22-000082.json
- Plain text: https://secwatch.observer/filing/0001408534-22-000082.txt

## Key facts
- Earnings Releases
  First Guaranty Bancshares, Inc. reported Third Quarter 2022 results: net income $8.1 Million, EPS $0.70.
  - Period: Third Quarter 2022
  - Net income: $8.1 Million
  - EPS: $0.70
  - Result: reported results
  source text: First Guaranty’s earnings for the nine months ending September 30th increased from $1.72 per share in 2021 to $2.05 in 2022 and the earnings for the three months ending September 30th increased from $0.67 per share in 2021 to $0.70 in 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1408534/000140853422000082/0001408534-22-000082-index.htm
- Earnings Releases
  First Guaranty Bancshares, Inc. reported Nine-Months Ended September 30, 2022 results: net income $23.8 Million, EPS $2.05.
  - Period: Nine-Months Ended September 30, 2022
  - Net income: $23.8 Million
  - EPS: $2.05
  - Result: reported results
  source text: First Guaranty’s earnings for the nine months ending September 30th increased from $1.72 per share in 2021 to $2.05 in 2022 and the earnings for the three months ending September 30th increased from $0.67 per share in 2021 to $0.70 in 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1408534/000140853422000082/0001408534-22-000082-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.