---
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"
generated_at: "2026-05-16T19:48:36.882040+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# First Guaranty Bancshares posts Q3 net loss of $45.0M on $47.9M credit provision

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-25-000090
- JSON: https://secwatch.observer/filing/0001408534-25-000090.json
- Plain text: https://secwatch.observer/filing/0001408534-25-000090.txt

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