---
schema_version: "secwatch.filing_event.v1"
accession: "0001408534-26-000059"
form_type: "8-K"
ticker: "FGBI"
cik: "0001408534"
company_name: "First Guaranty Bancshares, Inc."
filed_at: "2026-07-31T20:30:17+00:00"
generated_at: "2026-07-31T20:31:12.407115+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# First Guaranty Bancshares reports Q2 2026 net income of $3.4M, EPS $0.17

## Summary
- Net income of $3.4M in Q2 2026 vs net loss of $7.3M in Q2 2025; EPS $0.17 vs ($0.61).
- Total Risk-Based Capital Ratio exceeded 16% at June 30, 2026, up from 11.28% a year earlier.
- A $14.0M non-accrual loan relationship paid off during the quarter, improving asset quality.
- Net interest income stable at $22.3M; provision for credit losses fell to $2.6M from $16.6M.
- Book value per common share $11.75, down from $15.21 a year ago due to prior losses.

## SEC filing metadata
- accession: 0001408534-26-000059
- form_type: 8-K
- ticker: FGBI
- cik: 0001408534
- company_name: First Guaranty Bancshares, Inc.
- filed_at: 2026-07-31T20:30:17+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1408534/000140853426000059/0001408534-26-000059-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1408534/000140853426000059/fgbi-20260731.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-26-000059
- JSON: https://secwatch.observer/filing/0001408534-26-000059.json
- Plain text: https://secwatch.observer/filing/0001408534-26-000059.txt

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