---
schema_version: "secwatch.filing_event.v1"
accession: "0001408534-25-000069"
form_type: "8-K/A"
ticker: "FGBI"
cik: "0001408534"
company_name: "First Guaranty Bancshares, Inc."
filed_at: "2025-08-18T23:59:59+00:00"
generated_at: "2026-05-17T11:51:48.419369+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First Guaranty revises Q2 net loss to $7.3M; ups credit provision to $16.6M

## Summary
- Net loss of $7.3M vs. previously reported $5.8M; EPS loss of $0.61 vs. $0.50.
- Provision for credit losses increased to $16.6M from $14.7M; ACL now 2.44% of loans.
- Net loss for H1 2025 is $13.5M vs. $9.5M profit in H1 2024; EPS loss $1.15 vs. $0.67 profit.
- Nonaccrual loans $119.2M at June 30, 2025, up $10.7M from Dec 31, 2024; largest 6 relationships comprise 75%.
- Book value per share fell to $15.21 from $17.75; dividend cut to $0.01 from $0.16.

## SEC filing metadata
- accession: 0001408534-25-000069
- form_type: 8-K/A
- ticker: FGBI
- cik: 0001408534
- company_name: First Guaranty Bancshares, Inc.
- filed_at: 2025-08-18T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1408534/000140853425000069/0001408534-25-000069-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1408534/000140853425000069/fgbi-20250731.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-25-000069
- JSON: https://secwatch.observer/filing/0001408534-25-000069.json
- Plain text: https://secwatch.observer/filing/0001408534-25-000069.txt

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