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Extra Everything: The Story of Chipotle
Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
First Guaranty Bancshares
First Guaranty Bancshares (FGBI) investor relations material
First Guaranty Bancshares Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary27 Apr, 2026
Executive summary
Net income for Q1 2026 was $2.7 million, up $8.9 million from a loss of $6.2 million in Q1 2025.
Nonperforming assets reduced by $12.0 million; positive earnings to common shareholders of $2.2 million.
Risk weighted capital ratio improved to 14.71% from 13.48% sequentially.
Total assets decreased to $4.0 billion, loans to $1.9 billion, and deposits to $3.5 billion compared to December 31, 2025.
Financial highlights
Net interest income for Q1 2026 was $20.7 million, down from $22.2 million in Q1 2025.
Provision for credit losses dropped to $2.6 million from $14.5 million year-over-year.
Charge-offs were $5.4 million, with recoveries of $0.5 million.
Earnings per common share were $0.14, up from $(0.54) year-over-year.
Book value per common share was $11.91 at March 31, 2026.
Outlook and guidance
Focus remains on reducing balance sheet risk, improving earnings, and growing capital.
Dividend reduced to $0.01 per share to preserve capital as part of the new business strategy.
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Latest events from First Guaranty Bancshares
- Proxy covers director elections, executive pay, auditor ratification, and governance practices.FGBI
Proxy filing22 Apr 2026 - Strategic changes and cost cuts followed a tough year, with all proposals approved.FGBIAGM 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
- Full-year loss driven by credit losses, but Q4 earnings and capital ratios improved.FGBIQ4 202528 Jan 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
Next First Guaranty Bancshares earnings date
AGM 202621 May, 2026
First Guaranty Bancshares
Next First Guaranty Bancshares earnings date
AGM 202621 May, 2026
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