{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-25-000090","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2025-11-14T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.330256+00:00","generated_at":"2026-05-16T19:48:36.882040+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":"First Guaranty Bancshares posts Q3 net loss of $45.0M on $47.9M credit provision","bullets":["EPS loss of $3.01 vs. income of $0.11 in Q3 2024; net loss $45.0M vs. income $1.9M.","$39.8M of the $47.9M provision tied to a single auto parts manufacturer bankruptcy.","Goodwill impairment charge of $12.9M non-cash; allowance for credit losses rose to 3.76% from 1.29%.","Total loans declined to $2.3B from $2.8B at year-end 2024; book value per share $12.25, down from $17.86.","Risk-weighted capital ratio improved to 12.34% from 11.66% a year ago; FTE count down to 339 from 404."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-25-000090","json":"https://secwatch.observer/filing/0001408534-25-000090.json","markdown":"https://secwatch.observer/filing/0001408534-25-000090.md","text":"https://secwatch.observer/filing/0001408534-25-000090.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000090/0001408534-25-000090-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853425000090/fgbi-20251114.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T19:48:36.882040+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"}