---
schema_version: "secwatch.filing_event.v1"
accession: "0001408534-26-000030"
form_type: "8-K"
ticker: "FGBI"
cik: "0001408534"
company_name: "First Guaranty Bancshares, Inc."
filed_at: "2026-04-27T23:59:59+00:00"
generated_at: "2026-05-15T03:45:50.459701+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# First Guaranty Bancshares reports Q1 net income of $2.7M vs loss of $6.2M a year ago

## Summary
- Net income $2.7M vs $(6.2)M in Q1 2025; diluted EPS $0.14 vs $(0.54).
- Nonperforming assets reduced $12.0M; bank risk-weighted capital ratio up 123bps to 14.71%.
- Total loans fell 7.0% to $1.9B; deposits down 3.4% to $3.5B from Dec 31, 2025.
- Provision for credit losses decreased to $2.6M from $14.5M in prior-year quarter.
- Common dividend maintained at $0.01 per share; 131 consecutive quarterly dividends paid.

## SEC filing metadata
- accession: 0001408534-26-000030
- form_type: 8-K
- ticker: FGBI
- cik: 0001408534
- company_name: First Guaranty Bancshares, Inc.
- filed_at: 2026-04-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1408534/000140853426000030/0001408534-26-000030-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1408534/000140853426000030/fgbi-20260427.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-26-000030
- JSON: https://secwatch.observer/filing/0001408534-26-000030.json
- Plain text: https://secwatch.observer/filing/0001408534-26-000030.txt

## Key facts
- Earnings Releases
  First Guaranty Bancshares, Inc. reported three months ended March 31, 2026 results: EPS $0.14.
  - Period: three months ended March 31, 2026
  - EPS: $0.14
  - Result: reported results
  source text: Earnings (loss) per common share were $0.14 and $(0.54) for the three months ended March 31, 2026 and 2025, respectively.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1408534/000140853426000030/0001408534-26-000030-index.htm
- Earnings Releases
  First Guaranty Bancshares, Inc. reported first quarter and three months ended March 31, 2026 results: net income $2.7 million, EPS $0.14.
  - Period: first quarter and three months ended March 31, 2026
  - Net income: $2.7 million
  - EPS: $0.14
  - Result: reported results
  source text: Net income (loss) for the three months ended March 31, 2026 and 2025 was $2.7 million and $(6.2) million, respectively, an increase of $8.9 million.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1408534/000140853426000030/0001408534-26-000030-index.htm

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