---
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"
generated_at: "2026-05-27T02:30:58.980652+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Guaranty Bancshares Q4 EPS drops 50% YoY; common dividend cut to $0.01

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-25-000009
- JSON: https://secwatch.observer/filing/0001408534-25-000009.json
- Plain text: https://secwatch.observer/filing/0001408534-25-000009.txt

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