FGBI reports Q2 2025 net loss of $7.3M vs $7.2M net income in Q2 2024

First Guaranty Bancshares, Inc.

EPS of $(0.61) per common share, down from $0.53 in Q2 2024; six-month EPS $(1.15) vs $0.67.
Net interest income $22.2M, up $1.0M YoY; provision for credit losses surged to $16.6M from $6.8M.
Total loans declined to $2.41B from $2.51B in Q1 2025; allowance for credit losses increased to 2.44% of loans.
Non-performing assets reduced by $6.8M in Q2; $8.8M non-accrual loan sold in July 2025; 30-89 day delinquencies at 0.33%.
Cash dividend cut to $0.01 per common share in Q2 2025 vs $0.16 in Q2 2024; annual savings target of ~$13.4M.

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