)
Visual
test
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebCRI
Revenue down 31% and net loss widened, with major ESA contracts and R&D investments ongoing. - 6 FebNVDA
AI-driven digital twins and real-time simulation will transform engineering and manufacturing. - 6 FebCRIRevenue fell, losses deepened, and a major segment spin-off and capital raise are underway.
- 6 FebTUPRS
Net income reached TRY 29.5 billion, with strong dividends and a robust net cash position. - 6 FebCPT
2025 results beat guidance; Sun Belt focus, asset sales, and share buybacks drive 2026 strategy. - 6 FebCRIQ1 2025 saw record revenue, a return to profit, and strategic spin-offs for future growth.
- 6 FebCRIH1 2025 saw a return to profit, record revenues, and strong cash from major space projects.
- 6 FebSCW
Q2 2025 revenue up 120% y/y, driven by record Asian contract and backlog growth. - 6 FebSCWRevenue up 89% y/y, record backlog, and new strategy for European optical payload leadership.
- 6 FebSCWQ2 2024 revenue up 115% y/y, backlog nearly doubled, driven by major space contracts.
Next First Guaranty Bancshares earnings date
Q1 202629 Apr, 2026
First Guaranty Bancshares
Next First Guaranty Bancshares earnings date
Q1 202629 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
First Guaranty Bancshares, Inc. is the holding company for First Guaranty Bank, which provides a range of commercial banking services primarily in Louisiana and Texas. The bank offers various deposit products, including checking, savings, money market accounts, and time deposits, catering to individuals, small businesses, and municipalities. Its lending services cover a broad spectrum, including commercial and industrial loans, residential mortgages, and agricultural loans. Additionally, First Guaranty Bank provides consumer services such as credit cards, online banking, and safe deposit boxes, and supports businesses with services like merchant solutions and remote deposit capture. The company is headquartered in Hammond, Louisiana, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage