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First Guaranty Bancshares
First Guaranty Bancshares (FGBI) investor relations material
First Guaranty Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net income for Q4 2025 was $2.5M, up $1.5M from Q4 2024; full-year 2025 net loss was $(56.0)M vs. $12.4M income in 2024, driven by large credit losses and charge-offs.
Nonperforming assets reduced by $31.7M in Q4 2025 and further by $7.0M in January 2026 through OREO property sales.
Risk-weighted capital ratio improved 114 bps to 13.48% at year-end 2025.
Major charge-offs included $43.4M against commercial leases to an auto parts manufacturer; remaining exposure is $5.7M, classified as nonaccrual.
Total assets grew to $4.1B, loans decreased 23.2% to $2.1B, and deposits increased 4.5% to $3.6B year-over-year.
Financial highlights
Q4 2025 EPS was $0.12 vs. $0.03 in Q4 2024; full-year 2025 EPS was $(4.17) vs. $0.81 in 2024.
Net interest income for Q4 2025 was $20.2M, down from $22.6M in Q4 2024; full-year net interest income was $86.9M, slightly down from $88.4M in 2024.
Provision for credit losses surged to $81.7M in 2025 from $20.0M in 2024.
Allowance for credit losses rose to 1.97% of total loans at year-end 2025 from 1.29% a year earlier.
Book value per share dropped to $12.23 from $17.75; tangible book value per share fell to $12.08 from $16.48.
Outlook and guidance
Management continues to focus on reducing balance sheet risk, improving earnings, and growing capital.
Forward-looking statements caution about risks and uncertainties, referencing risk factors in SEC filings.
Explain $43.4M auto parts manufacturer charge-off
Update on major nonperforming asset dispositions
Reconcile capital ratio improvement with equity decline
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Latest events from First Guaranty Bancshares
- Strategic changes and cost cuts followed a tough year, with all proposals approved.FGBI
AGM 20253 Feb 2026 - Earnings rose, but nonaccrual loans and credit risk increased significantly.FGBIQ3 20242 Feb 2026
- Asset and deposit growth offset by higher nonperforming loans and increased credit loss provisions.FGBIQ4 20242 Feb 2026
- Annual meeting to vote on directors, executive pay, auditor, and review governance and related party deals.FGBIProxy Filing2 Dec 2025
- Q3 2025 loss of $45M stemmed from major credit losses and goodwill impairment.FGBIQ3 202517 Nov 2025
- Net loss driven by higher credit loss provisions and reduced CRE exposure, despite capital actions.FGBIQ2 202518 Aug 2025
- Q2 net income surged 169% year-over-year, but credit quality metrics deteriorated.FGBIQ2 202413 Jun 2025
- Q1 2025 saw a $6.2M net loss as credit costs surged and CRE risk reduction accelerated.FGBIQ1 20256 Jun 2025
Next First Guaranty Bancshares earnings date
Q1 202629 Apr, 2026
First Guaranty Bancshares
Next First Guaranty Bancshares earnings date
Q1 202629 Apr, 2026
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