FGBI reports FY2025 net loss of $56M ($4.17/sh); Q4 net income $2.5M

First Guaranty Bancshares, Inc.

Net loss of $56.0M for 2025 vs net income of $12.4M in 2024; diluted EPS loss of $4.17 vs $0.81.
Q4 2025 net income of $2.5M ($0.12 EPS) vs $1.0M ($0.03 EPS) in Q4 2024; CEO notes positive common earnings of $1.9M.
Provision for credit losses surged to $81.7M in 2025 from $20.0M in 2024; annual loan charge-offs were $77.2M.
Total loans decreased 23.2% to $2.1B; deposits grew 4.5% to $3.6B; nonperforming assets fell to $95.5M from $126.3M at Sep 30.
Full-year cash dividends per common share reduced to $0.04 from $0.41 in 2024; Q4 dividend unchanged at $0.01.

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