{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-26-000057","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2026-07-27T20:31:19+00:00","discovered_at":"2026-07-27T20:32:02.680542+00:00","generated_at":"2026-07-27T20:32:13.841129+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Guaranty Bancshares reports Q2 net income of $3.4M vs loss of $7.3M; Texas branch sale expected July 31","bullets":["Net income of $3.4M in Q2 2026 vs loss of $7.3M in Q2 2025; EPS $0.17 vs ($0.61).","Total loans decreased 14.7% to $1.8B; nonaccrual loans down $19M to $40.6M.","Provision for credit losses fell to $2.6M from $16.6M; charge-offs rose to $7.7M from $1.1M.","Agreement to sell Texas operations to Armstrong Bank for ~$227M deposits and $93M loans; expected close July 31, 2026.","Bank Total Capital ratio improved to over 16% at June 30, 2026 from 11.28% a year earlier."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-26-000057","json":"https://secwatch.observer/filing/0001408534-26-000057.json","markdown":"https://secwatch.observer/filing/0001408534-26-000057.md","text":"https://secwatch.observer/filing/0001408534-26-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853426000057/0001408534-26-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853426000057/fgbi-20260727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-27T20:32:13.841129+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"}