{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-25-000033","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2025-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.191597+00:00","generated_at":"2026-05-23T03:39:37.269478+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Q1 net loss $6.2M; CRE loan sale $70M; nonaccrual loans surge to $133M; dividend cut to $0.01","bullets":["Net loss of $6.2M vs net income of $2.3M YoY; diluted EPS $(0.54) vs $0.14.","Sold two CRE loans totaling $70M, realized $5.8M loss; credit provision $14.5M (up from $2.3M).","Nonaccrual loans rose $24.9M to $133.4M; allowance for credit losses 1.71% vs 1.29%.","Loan balances declined 6.7% to $2.51B; deposits down $136.8M to $3.3B; assets $3.8B.","Common dividend reduced to $0.01 per share from $0.16; retained earnings fell to $66.1M."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-25-000033","json":"https://secwatch.observer/filing/0001408534-25-000033.json","markdown":"https://secwatch.observer/filing/0001408534-25-000033.md","text":"https://secwatch.observer/filing/0001408534-25-000033.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000033/0001408534-25-000033-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000033/fgbi-20250429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T03:39:37.269478+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"}