First Guaranty reports Q4 net income $2.5M; FY2025 net loss $56M on $43.4M charge-offs

First Guaranty Bancshares, Inc.

Q4 EPS $0.12 vs $0.03 YoY; FY2025 EPS ($4.17) vs $0.81; FY net loss $56.0M (FY2024 net income $12.4M).
Total loans fell 23.2% to $2.1B; provision for credit losses $81.7M for FY2025 vs $20.0M in FY2024.
Nonaccrual loans decreased $48.9M to $59.6M; OREO surged to $35.1M from $0.3M, including $23.3M independent living center foreclosure.
CEO cited progress: nonperforming assets reduced $31.7M in Q4; risk-weighted capital ratio improved 114bps to 13.48%.
Dividend maintained at $0.01 per common share; tangible book value per share fell to $12.08 from $16.48.

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