{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-25-000009","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2025-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.544284+00:00","generated_at":"2026-05-27T02:30:58.980652+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Guaranty Bancshares Q4 EPS drops 50% YoY; common dividend cut to $0.01","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-25-000009","json":"https://secwatch.observer/filing/0001408534-25-000009.json","markdown":"https://secwatch.observer/filing/0001408534-25-000009.md","text":"https://secwatch.observer/filing/0001408534-25-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000009/0001408534-25-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000009/fgbi-20250205.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T02:30:58.980652+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}