---
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"
generated_at: "2026-05-16T06:56:15.492504+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-26-000003
- JSON: https://secwatch.observer/filing/0001408534-26-000003.json
- Plain text: https://secwatch.observer/filing/0001408534-26-000003.txt

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