---
schema_version: "secwatch.filing_event.v1"
accession: "0001408534-23-000008"
form_type: "8-K"
ticker: "FGBI"
cik: "0001408534"
company_name: "First Guaranty Bancshares, Inc."
filed_at: "2023-01-31T23:59:59+00:00"
generated_at: "2026-06-20T05:14:40.081536+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "medium"
source: SEC EDGAR
---

# First Guaranty Bancshares Q4 2022: assets up 9%, loans up 17%, yield improves 65 bps

## Summary
- Total assets $3.15B, up 9% year-over-year; loan portfolio $2.52B, up 17%.
- Texas capital ratio improved to 4.48% from 6.63% year-over-year (lower is better).
- Yield on earning assets for Q4 2022 was 5.77%, up 65 bps from Q4 2021 adjusted yield.
- Net earnings increased by approximately $1.6M year-over-year, though interest expense constrained growth.
- Company paid its 118th consecutive quarterly dividend; entering Houston, Texas market.

## SEC filing metadata
- accession: 0001408534-23-000008
- form_type: 8-K
- ticker: FGBI
- cik: 0001408534
- company_name: First Guaranty Bancshares, Inc.
- filed_at: 2023-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: medium
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1408534/000140853423000008/0001408534-23-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1408534/000140853423000008/fgbi-20230131.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-23-000008
- JSON: https://secwatch.observer/filing/0001408534-23-000008.json
- Plain text: https://secwatch.observer/filing/0001408534-23-000008.txt

## Key facts
- Earnings Releases
  First Guaranty Bancshares, Inc. reported financial results for the three months and year ended December 31, 2022.
  - Period: the three months and year ended December 31, 2022
  - Result: reported results
  source text: On January 31, 2023 , First Guaranty Bancshares, Inc. issued a press release reporting its financial results at and for the three months and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1408534/000140853423000008/0001408534-23-000008-index.htm

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