Recent 8-K filings for FGBI

• August 7, 2026, 4:30 PM ET regulatory materiality 0.85 negative item 8.01item 9.01

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

  Consent Order effective Aug 7, 2026 from FDIC and Louisiana OFI following Sept 2025 joint exam; bank neither admits nor denies charges.

• July 31, 2026, 4:30 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  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).

• July 27, 2026, 4:31 PM ET earnings materiality 0.70 positive item 2.02item 9.01

  First Guaranty Bancshares reports Q2 net income of $3.4M vs loss of $7.3M; Texas branch sale expected July 31

  Net income of $3.4M in Q2 2026 vs loss of $7.3M in Q2 2025; EPS $0.17 vs ($0.61).

• May 7, 2026, 7:59 PM ET earnings materiality 0.60 neutral item 2.02item 9.01 ◈ Earnings Releases

  First Guaranty Bancshares posts Q1 net income of $2.7M vs. loss of $6.2M YoY

  Net income $2.7M, EPS $0.14; compares to net loss of $6.2M, loss per share of $0.54 in Q1 2025.

• April 27, 2026, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01 ◈ Earnings Releases ×2

  First Guaranty Bancshares reports Q1 net income of $2.7M vs loss of $6.2M a year ago

  Net income $2.7M vs $(6.2)M in Q1 2025; diluted EPS $0.14 vs $(0.54).

• March 10, 2026, 7:59 PM ET M&A materiality 0.70 positive item 7.01item 9.01

  First Guaranty Bancshares to sell Texas branches to Armstrong Bank for ~$270M deposits, $110M loans

  Sale of five Texas branches (four in Dallas-Fort Worth metroplex, one in Waco) to Armstrong Bank.

• February 20, 2026, 6:59 PM ET earnings materiality 0.90 negative item 2.02item 9.01

  FGBI reports FY2025 net loss of $56M ($4.17/sh); Q4 net income $2.5M

  Net loss of $56.0M for 2025 vs net income of $12.4M in 2024; diluted EPS loss of $4.17 vs $0.81.

• January 28, 2026, 6:59 PM ET earnings materiality 0.80 negative item 2.02item 9.01

  First Guaranty reports Q4 net income $2.5M; FY2025 net loss $56M on $43.4M charge-offs

  Q4 EPS $0.12 vs $0.03 YoY; FY2025 EPS ($4.17) vs $0.81; FY net loss $56.0M (FY2024 net income $12.4M).

• November 14, 2025, 6:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01

  First Guaranty Bancshares posts Q3 net loss of $45.0M on $47.9M credit provision

  EPS loss of $3.01 vs. income of $0.11 in Q3 2024; net loss $45.0M vs. income $1.9M.

• October 31, 2025, 7:59 PM ET earnings materiality 0.95 negative item 2.02item 9.01

  First Guaranty Bancshares Q3 2025 net loss $45M on $47.9M credit provision and $12.9M goodwill impairment

  Net loss of $45.0M vs. net income of $1.9M in Q3 2024; EPS loss of $(3.01) vs. $0.11.

• August 25, 2025, 7:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01

  FGBI reports Q2 2025 net loss of $7.3M vs $7.2M net income in Q2 2024

  EPS of $(0.61) per common share, down from $0.53 in Q2 2024; six-month EPS $(1.15) vs $0.67.

• August 18, 2025, 7:59 PM ET earnings materiality 0.80 negative item 2.02item 9.01

  First Guaranty revises Q2 net loss to $7.3M; ups credit provision to $16.6M

  Net loss of $7.3M vs. previously reported $5.8M; EPS loss of $0.61 vs. $0.50.

• August 1, 2025, 7:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01

  FGBI posts $5.8M Q2 net loss; provision for credit losses surges to $14.7M

  Net loss of $5.8M ($0.50 per share) vs net income of $7.2M ($0.53) in Q2 2024.

• July 7, 2025, 7:59 PM ET other material materiality 0.65 neutral item 3.02item 9.01

  First Guaranty Bancshares issues 2.2M common shares in debt-for-equity swap and private placement

  Issued 1,981,506 shares to director Edgar Ray Smith III in exchange for $15M subordinated note due 2032.

• June 18, 2025, 7:59 PM ET other material materiality 0.75 positive item 1.01item 9.01

  First Guaranty Bancshares to exchange $15M subordinated note for 1.98M common shares

  Exchange of $15M subordinated note (due 2032) held by director Edgar Ray Smith III for 1,981,506 newly issued common shares.

• June 9, 2025, 7:59 PM ET debt materiality 0.65 neutral item 1.01item 9.01

  First Guaranty Bancshares defers principal payments, allows stock interest payments for four quarters

  Waived $1,007,812.50 quarterly principal payments on Promissory Note for June 2025 through March 2026.

• May 12, 2025, 7:59 PM ET earnings materiality 0.80 negative item 2.02item 9.01

  First Guaranty Bancshares reports Q1 net loss of $6.7M; credit provision surges, dividend slashed

  Net loss to common shareholders of $6.7M ($0.54 per share) vs. $1.7M profit ($0.14) in Q1 2024.

• April 29, 2025, 7:59 PM ET earnings materiality 0.85 negative item 2.02item 9.01

  Q1 net loss $6.2M; CRE loan sale $70M; nonaccrual loans surge to $133M; dividend cut to $0.01

  Net loss of $6.2M vs net income of $2.3M YoY; diluted EPS $(0.54) vs $0.14.

• February 5, 2025, 6:59 PM ET earnings materiality 0.70 negative item 2.02item 9.01

  First Guaranty Bancshares Q4 EPS drops 50% YoY; common dividend cut to $0.01

  Q4 net income $1.01M ($0.03 common EPS) vs $1.30M ($0.06) a year ago; full year $12.45M ($0.81) vs $9.22M ($0.62).

• January 30, 2025, 6:59 PM ET earnings materiality 0.80 negative item 2.02item 9.01

  FGBI Q4 net income down 22.5% YoY; nonaccrual loans surge to $108.5M

  Q4 net income $1.0M ($0.03 EPS) vs $1.3M ($0.06 EPS) in Q4 2023.

• October 30, 2024, 7:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01

  First Guaranty Bancshares Q3 net income up 8.7% to $1.9M; provision and nonaccruals surge

  Q3 EPS $0.11 vs $0.10 YoY; net income $1.9M vs $1.8M. Nine-month EPS $0.78 vs $0.56, net income +44.5% to $11.4M.

• October 30, 2024, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 9.01

  First Guaranty Bancshares Q3 net income $1.93M, EPS $0.11; dividend cut to $0.08

  Q3 2024 net income $1.927M ($0.11 per common share) vs $1.772M ($0.10) a year ago.

Executive changes

Materiality & sentiment trend

Max materiality 0.95 · Median 0.47 · Most common event earnings

7 positive 14 negative 29 neutral

source · FGBI on sec.gov