{"schema_version":"secwatch.filing_event.v1","accession":"0001408534-26-000069","form_type":"8-K","ticker":"FGBI","cik":"0001408534","company_name":"First Guaranty Bancshares, Inc.","filed_at":"2026-08-07T20:30:32+00:00","discovered_at":"2026-08-07T20:32:02.175101+00:00","generated_at":"2026-08-07T20:32:23.169868+00:00","sec_items":["8.01","9.01"],"event_type":"regulatory","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"First Guaranty Bank consents to FDIC/OFI order; Tier 1 leverage below required 9%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001408534-26-000069","json":"https://secwatch.observer/filing/0001408534-26-000069.json","markdown":"https://secwatch.observer/filing/0001408534-26-000069.md","text":"https://secwatch.observer/filing/0001408534-26-000069.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1408534/000140853426000069/0001408534-26-000069-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1408534/000140853426000069/fgbi-20260807.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-07T20:32:23.169868+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"}