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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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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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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.
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