Welcome to our dedicated page for First Guaranty SEC filings (Ticker: FGBI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for First Guaranty Bancshares, Inc. (NASDAQ: FGBI), the Louisiana‑incorporated holding company for First Guaranty Bank. As a reporting company, First Guaranty files annual reports on Form 10‑K, quarterly reports on Form 10‑Q, and current reports on Form 8‑K, along with other required documents.
Key filings for understanding FGBI include Forms 10‑K and 10‑Q, which contain detailed financial statements, discussions of net interest income and net interest margin, loan and deposit balances, provisions for credit losses, nonaccrual loans, and other real estate owned. These reports also describe the company’s loan portfolio, including commercial real estate, commercial and industrial, construction and land development, agricultural and farmland, consumer, and multifamily lending, as well as its investment securities and capital structure.
Current reports on Form 8‑K document material events such as quarterly earnings releases, dividend declarations on common stock and on the 6.75% Series A Fixed‑Rate Non‑Cumulative Perpetual Preferred Stock (traded via depositary shares under FGBIP), and other significant corporate actions. First Guaranty has also filed a Form 12b‑25 (Notification of Late Filing) explaining a delay in filing a Form 10‑Q while it evaluated information about previously disclosed events and revised related financial information and disclosures.
On Stock Titan, these filings are updated as they are made available through EDGAR. AI‑powered summaries help explain the contents of lengthy documents, highlight important changes from prior periods, and clarify technical sections on topics such as credit quality, capital, and risk factors. Users can quickly locate Forms 10‑K, 10‑Q, and 8‑K, as well as filings related to preferred stock dividends and other corporate matters, to build a more complete view of First Guaranty Bancshares’ regulatory and financial reporting history.
First Guaranty Bancshares, Inc. reported a return to profitability in the first quarter of 2026, with net income of $2.7 million and earnings available to common shareholders of $2.2 million, or $0.14 per share, compared with a loss a year earlier.
Total assets were $4.0 billion, with loans of $1.9 billion and deposits of $3.5 billion as the bank deliberately reduced loans and higher-cost deposits to lower balance sheet risk. Nonperforming assets declined to $83.5 million, down $12.0 million since year-end 2025, while the bank risk weighted capital ratio rose to 14.71%.
The provision for credit losses was $2.6 million and loan charge-offs were $5.4 million in the quarter. Return on average assets was 0.27% and return on average common equity was 4.52%, and the company continued its long streak of quarterly dividends.
First Guaranty Bancshares, Inc., through its subsidiary First Guaranty Bank, has terminated certain long-term lease agreements by buying back three previously sold bank properties. On April 29, 2026, the Bank purchased two stand-alone branches and part of its headquarters building for an aggregate cash price of $14,770,000 from FGB Partners, LLC.
The properties were originally sold to FGB Partners on June 28, 2024 in a sale-leaseback transaction, with the Bank entering into absolute net leases having initial 15-year terms and renewal options. In connection with the repurchase, these lease agreements were terminated. FGB Partners is owned by individuals who are significant shareholders and are related to members of First Guaranty’s board.
First Guaranty Bancshares, Inc. director and ten percent owner Marshall T. Reynolds, through affiliate Reynolds Capital Partners, reported an open-market purchase of 109,051 shares of common stock on April 30, 2026 at $9.17 per share. This increased Reynolds Capital Partners’ indirect holdings to 117,551 shares of common stock. The filing also lists additional indirect holdings through several family affiliates and trusts, and direct ownership of 2,025,997 shares of common stock as of that date.
First Guaranty Bancshares director-associated entity reports major share purchase. On April 30, 2026, Smith & Tate Investments, LLC, an entity associated with director and ten percent owner Edgar R. Smith III, bought 109,051 shares of First Guaranty Bancshares common stock in an open-market purchase at $9.17 per share. After this trade, Smith & Tate Investments, LLC held 784,400 shares indirectly. The filing also lists other indirect holdings through several LLCs and a separate direct holding of 2,867,467 shares. The footnote states that Smith disclaims beneficial ownership of these securities except to the extent of his pecuniary interest.
First Guaranty Bancshares, Inc. director Bruce McAnally reported an indirect open-market purchase tied to a trust. On April 30, 2026, the BMAC Irrevocable Asset Trust, for which he is trustee, bought 109,051 shares of common stock at $9.17 per share, bringing that trust’s holdings to 441,587 shares.
The Form 4 also lists multiple indirect holdings through other trusts, retirement accounts, and an affiliate, along with 3,253 shares held directly. A footnote states that McAnally disclaims beneficial ownership of these securities except to the extent of his pecuniary interest.
First Guaranty Bancshares, Inc. has declared a quarterly cash dividend on its 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock. Holders of its Depositary Shares, each representing a 1/40th interest in a share of this Series A preferred, will receive $0.421875 per Depositary Share. This comes from a $16.875 per share quarterly dividend on the underlying Series A Preferred Stock. The dividend will be paid on June 1, 2026 to holders of record of the Depositary Shares as of May 15, 2026.
First Guaranty Bancshares returned to profitability in the first quarter of 2026, posting net income of $2.7 million versus a net loss of $(6.2) million a year earlier. Net income available to common shareholders was $2.2 million, or $0.14 per share, compared with a loss of $(0.54) per share.
The turnaround was driven largely by a sharply lower provision for credit losses of $2.6 million, down from $14.5 million, and reduced noninterest expense. However, the net interest margin narrowed to 2.07% from 2.35% as the balance sheet shifted away from loans toward securities and deposits with other banks.
Total assets were $4.0 billion at March 31, 2026, down $119.8 million from year-end, with loans declining 7.0% to $1.9 billion and deposits down 3.4% to $3.5 billion. Nonperforming assets fell to $83.5 million, or 2.11% of total assets, and the bank’s total risk-based capital ratio improved to 14.71%, with a capital conservation buffer of 6.71%.
First Guaranty Bancshares, Inc. director and ten percent owner Betsy Kent Hood filed an initial ownership report. She reports indirect ownership of 2,522,087 shares of common stock as executor for the Estate of William K. Hood, and direct ownership of 4,639 shares. She disclaims beneficial ownership of the indirect holdings except to the extent of her pecuniary interest.
First Guaranty Bancshares, Inc. reported that its Board of Directors elected Betsy K. Hood as a director on April 16, 2026. She has not been appointed to any board committees at this time, and there is no current expectation of a specific committee assignment.
The company states that Ms. Hood is not involved in any transactions with First Guaranty or First Guaranty Bank that would require disclosure under Item 404(a) of SEC Regulation S-K. She is a graduate of Southeastern Louisiana University with over 25 years of experience in the retail automotive industry and serves as Dealer Principal of Hood Automotive Group, President of Southern Dealers Mechanical Breakdown Insurance, and a board member for two local organizations.
First Guaranty Bancshares director and 10% owner Edgar R. Smith III, through Smith & Tate Investments, LLC, bought 138,083 shares of common stock at $7.77 per share in an open-market purchase on March 31, 2026.
After this transaction, Smith & Tate Investments, LLC held 675,349 shares indirectly for him. The Form 4 also reports 2,867,467 shares held directly in his name and additional indirect holdings through entities such as Smith-Hoover Holdings, L.L.C., MACSMITH LLC, Smith & Hood Investment, LLC, Big 4 Investments, LLC, and Smith & Hood Holding Company, LLC. A footnote explains he disclaims beneficial ownership beyond his pecuniary interest and that his indirect position includes 105,907 shares issued under recent amendments to a promissory note and a subordinated note.