{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-25-000073","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2025-08-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.911958+00:00","generated_at":"2026-05-17T10:11:46.948376+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FGBI reports Q2 2025 net loss of $7.3M vs $7.2M net income in Q2 2024","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-25-000073","json":"https://secwatch.observer/filing/0001408534-25-000073.json","markdown":"https://secwatch.observer/filing/0001408534-25-000073.md","text":"https://secwatch.observer/filing/0001408534-25-000073.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000073/0001408534-25-000073-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000073/fgbi-20250825.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T10:11:46.948376+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"}