{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-26-000007","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2026-02-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.009301+00:00","generated_at":"2026-05-16T01:26:06.644249+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"FGBI reports FY2025 net loss of $56M ($4.17/sh); Q4 net income $2.5M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-26-000007","json":"https://secwatch.observer/filing/0001408534-26-000007.json","markdown":"https://secwatch.observer/filing/0001408534-26-000007.md","text":"https://secwatch.observer/filing/0001408534-26-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853426000007/0001408534-26-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853426000007/fgbi-20260220.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T01:26:06.644249+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"}