---
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"
generated_at: "2026-07-27T20:32:13.841129+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 Q2 net income of $3.4M vs loss of $7.3M; Texas branch sale expected July 31

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1408534/000140853426000057/0001408534-26-000057-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1408534/000140853426000057/fgbi-20260727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-26-000057
- JSON: https://secwatch.observer/filing/0001408534-26-000057.json
- Plain text: https://secwatch.observer/filing/0001408534-26-000057.txt

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