---
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"
generated_at: "2026-08-07T20:32:23.169868+00:00"
event_type: "regulatory"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: regulatory
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001408534-26-000069
- JSON: https://secwatch.observer/filing/0001408534-26-000069.json
- Plain text: https://secwatch.observer/filing/0001408534-26-000069.txt

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