{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-23-000091","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2023-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.941619+00:00","generated_at":"2026-06-09T04:25:58.535558+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Guaranty Bancshares Q3 net income sinks 78% to $1.8M; EPS $0.10 vs $0.70 YoY","bullets":["Q3 2023 net income $1.772M vs $8.053M in Q3 2022; diluted EPS $0.10 vs $0.70.","Net interest income fell to $20.445M from $25.449M YoY as deposit costs increased to $27.182M from $9.801M.","Loan portfolio grew to $2.70B at Sep 30, 2023 from $2.53B at Dec 31, 2022; allowance for credit losses $31.9M.","Nine-month net income $7.916M vs $23.763M; EPS $0.56 vs $2.05; return on average common equity 4.06% vs 15.29%.","Dividend maintained at $0.16 per share for Q3, consistent with prior year; book value per share $18.00 vs $18.51."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-23-000091","json":"https://secwatch.observer/filing/0001408534-23-000091.json","markdown":"https://secwatch.observer/filing/0001408534-23-000091.md","text":"https://secwatch.observer/filing/0001408534-23-000091.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853423000091/0001408534-23-000091-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853423000091/fgbi-20231031.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T04:25:58.535558+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"b47da4fc92ce38279cf23e041ca94314e2ef7724","claim":"First Guaranty Bancshares, Inc. reported financial results for Third Quarter 2023.","evidence_excerpt":"On October 31, 2023 First Guaranty Bancshares, Inc. released its Third Quarter 2023 Report to shareholders.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1408534/000140853423000091/0001408534-23-000091-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Third Quarter 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}