secwatch.observer — SEC 8-K summary
======================================

Issuer:     First Guaranty Bancshares, Inc. (FGBI)
CIK:        0001408534
Form:       8-K
Filed at:   2026-07-31T20:30:17+00:00
Accession:  0001408534-26-000059
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1408534/000140853426000059/0001408534-26-000059-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1408534/000140853426000059/fgbi-20260731.htm
  HTML page:      https://secwatch.observer/filing/0001408534-26-000059

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer