{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-25-000063","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2025-08-01T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.911750+00:00","generated_at":"2026-05-17T21:47:38.530325+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":"FGBI posts $5.8M Q2 net loss; provision for credit losses surges to $14.7M","bullets":["Net loss of $5.8M ($0.50 per share) vs net income of $7.2M ($0.53) in Q2 2024.","Provision for credit losses was $14.7M, up from $6.8M a year ago; allowance at 2.36% of loans.","Nonaccrual loans $119.2M at June 30; largest 6 relationships comprise 75% of NPAs.","Loan portfolio shrunk 10.5% YTD to $2.41B as part of CRE de-risking strategy.","Dividend cut to $0.01/share from $0.16; book value fell to $15.31 from $17.75."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-25-000063","json":"https://secwatch.observer/filing/0001408534-25-000063.json","markdown":"https://secwatch.observer/filing/0001408534-25-000063.md","text":"https://secwatch.observer/filing/0001408534-25-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000063/0001408534-25-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000063/fgbi-20250731.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T21:47:38.530325+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"}