---
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"
generated_at: "2026-05-16T01:26:06.644249+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-26-000007
- JSON: https://secwatch.observer/filing/0001408534-26-000007.json
- Plain text: https://secwatch.observer/filing/0001408534-26-000007.txt

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