First Guaranty Bank consents to FDIC/OFI order; Tier 1 leverage below required 9%

First Guaranty Bancshares, Inc.

• Consent Order effective Aug 7, 2026 from FDIC and Louisiana OFI following Sept 2025 joint exam; bank neither admits nor denies charges.
• Bank must maintain Tier 1 leverage ≥9% and total risk-based capital ≥14%; as of June 30, 2026 ratios were 7.09% and 16.21%.
• Dividends to parent First Guaranty Bancshares require prior FDIC/OFI consent while order in effect.
• Must charge off all 'loss'-classified assets and 50% of 'doubtful' within 120 days; reduction plan for substandard/doubtful within 60 days.
• CRE concentration monitoring plan and loan review/underwriting fixes due within 90 days; quarterly progress reports required.