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First Guaranty Bancshares is changing the terms of two insider-related debt agreements with Smith & Tate Investment, L.L.C., a company controlled by director and principal shareholder Edgar Ray Smith III. The original promissory note called for thirty-nine quarterly principal installments of $1,007,812.50 plus interest, followed by a final payment in 2033.
A prior amendment temporarily waived these principal payments and allowed the company, at its option, to pay interest in cash or in shares of common stock, with share amounts based on the prior day’s consolidated closing bid price. The new Second Promissory Note Amendment extends the waiver of principal payments through the March 31, 2028 interest payment date and extends the cash-or-stock interest payment option over this same Second Modified Payment Period.
The Second Subordinated Note Amendment similarly keeps in place First Guaranty’s ability to pay interest on its floating rate subordinated note, due March 28, 2034 and tied to the Prime Rate plus 75 basis points, in either cash or common stock during the Second Modified Payment Period.
First Guaranty Bancshares, Inc. reported that its Board of Directors declared a quarterly cash dividend of $0.01 per share on its outstanding common stock on February 19, 2026. The dividend will be paid on March 31, 2026 to shareholders of record as of March 27, 2026.
This payment marks the company’s 131st consecutive quarterly dividend to common shareholders, highlighting a long-standing pattern of regular cash returns.
First Guaranty Bancshares, Inc. reported a challenging 2025, with a net loss of $56.0 million and a loss per common share of $4.17, compared with a profit in 2024. Results were driven by heavy credit costs, including a $81.7 million provision for credit losses, $77.2 million in loan charge-offs, and a $12.9 million goodwill impairment.
Despite the full-year loss, the bank returned to profitability in the fourth quarter, earning $2.5 million in net income and $0.12 per common share. Total loans fell to $2.1 billion, down 23.2%, as management intentionally shrank the portfolio to reduce risk, while deposits rose to $3.6 billion, up 4.5%, supporting liquidity. Nonperforming assets declined from $126.3 million to $95.5 million, and the risk-weighted capital ratio improved to 13.48% as of December 31, 2025.
First Guaranty Bancshares, Inc. filed a Form 8-K to announce that it issued a press release with its financial results for the three months and year ended December 31, 2025. The press release, dated January 28, 2026, is included as Exhibit 99.1 to the filing.
The company states that the press release is being "furnished" rather than "filed" for purposes of certain securities law provisions, meaning it is provided for informational disclosure without being incorporated into other Securities Act filings by default.
Eric Dosch, SVP and CFO of First Guaranty Bancshares, Inc. (FGBI / FGBIP), filed a Form 4 reporting multiple purchases of the issuer's common stock and depository shares between 09/04/2025 and 09/08/2025. Transactions show purchases executed at prices ranging from $8.50 to $8.74 per common share and $19.03 to $19.25 per depository share. Several acquisitions were reported as indirect holdings: shares held for his son and daughter as minors (EJD as custodian), in an IRA and Roth IRA, and in a trust; spouse holdings are also listed. The form also reports a disposition of 28,396 common shares. The form is signed by Eric Dosch on 09/22/2025.
Robert W. Walker, a director of First Guaranty Bancshares, Inc. (ticker FGBI), reported an open-market purchase of 3,750 shares of the issuer's common stock on 08/28/2025 at a weighted average price of $7.97 per share. After the transaction Mr. Walker beneficially owned 31,276 shares. The Form 4 shows no derivative transactions and includes an explanatory note that the trade executed in multiple trades at prices ranging from $7.96 to $7.98; the form is signed and dated 08/29/2025.
Robert W. Walker, a director of First Guaranty Bancshares, Inc. (ticker FGBI), reported two open-market purchases of the issuer's common stock. On 08/26/2025 he reported an acquisition (code "L") of 94 shares at a price shown as $7.87. On 08/27/2025 he reported a purchase (code "P") of 3,800 shares at a weighted average price of $8.05, bringing his total beneficial ownership to 27,526 shares, held directly. The filer states the 08/27/2025 transaction was executed in multiple trades at prices ranging from $7.95 to $8.05 and that the reported $8.05 reflects the weighted average sale price. The Form 4 is signed by Robert W. Walker on 08/28/2025.
Robert W. Walker, a director of First Guaranty Bancshares, Inc. (FGBI), reported three non-derivative purchases of the issuer's common stock in August 2025. On 08/07/2025 he acquired 700 shares at an average price of $8.06. On 08/08/2025 he acquired 232 shares at $8.07. On 08/25/2025 he acquired 4,700 shares at a weighted average price of $7.84, executed in multiple trades priced between $7.83 and $7.84. Following these reported transactions, Mr. Walker beneficially owned 23,632 shares of common stock. The Form 4 is signed and dated 08/27/2025. The filing lists the reporting person's address in Hammond, LA, and indicates the filer is a director filing individually.
First Guaranty Bancshares, Inc. declared a quarterly cash dividend of $0.01 per share on its outstanding common stock. Shareholders of record as of September 23, 2025 are expected to receive the payment on September 30, 2025. The company notes this represents its 129th consecutive quarterly dividend to common shareholders, underscoring a long-running pattern of regular cash returns to equity holders.
First Guaranty Bancshares, Inc. filed a current report to inform investors that it has released its Second Quarter 2025 Report to shareholders. The company states that the report is being shared through a press release dated August 25, 2025, which is attached as Exhibit 99.1 and captioned "Second Quarter 2025 Report." This update is presented under the section covering results of operations and financial condition, indicating that the detailed quarterly financial results and discussion are contained in the accompanying exhibit rather than in the body of this report.