---
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"
generated_at: "2026-05-17T10:11:46.948376+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-25-000073
- JSON: https://secwatch.observer/filing/0001408534-25-000073.json
- Plain text: https://secwatch.observer/filing/0001408534-25-000073.txt

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