{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-26-000003","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.008787+00:00","generated_at":"2026-05-16T06:56:15.492504+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"First Guaranty reports Q4 net income $2.5M; FY2025 net loss $56M on $43.4M charge-offs","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-26-000003","json":"https://secwatch.observer/filing/0001408534-26-000003.json","markdown":"https://secwatch.observer/filing/0001408534-26-000003.md","text":"https://secwatch.observer/filing/0001408534-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853426000003/0001408534-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853426000003/fgbi-20260128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:56:15.492504+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"}