First Guaranty Bancshares, Inc. (FGBI)

First Guaranty Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	158.61	190.38	167.14	126	103.35
Interest Income on Investments	54.67	31.32	15.87	10.57	8.56
Total Interest Income	213.28	221.71	183.01	136.58	111.92
Interest Paid on Deposits	115.51	119.67	87.76	33.02	20.33
Interest Paid on Borrowings	10.83	13.6	10.54	3.52	1.97
Total Interest Expense	126.34	133.27	98.3	36.53	22.3
Net Interest Income	86.94	88.44	84.71	100.04	89.62
Net Interest Income Growth (YoY)	-1.69%	4.41%	-15.33%	11.63%	20.02%
Gain (Loss) on Sale of Assets	-0.52	13.31	0.02	-	-
Gain (Loss) on Sale of Investments	-	-	-	-0.02	0.71
Other Non-Interest Income	9	9.95	10.54	9.25	9.1
Total Non-Interest Income	8.48	24.74	10.58	11.01	10.76
Non-Interest Income Growth (YoY)	-65.74%	133.89%	-3.92%	2.31%	-54.75%
Revenues Before Loan Losses	95.42	113.18	95.28	111.05	100.38
Provision for Loan Losses	81.73	20.03	3.71	3.66	2.06
Revenue	13.69	93.14	91.57	107.4	98.32
Revenue Growth (YoY)	-85.30%	1.72%	-14.74%	9.23%	17.65%
Salaries and Employee Benefits	30.47	38.3	40.42	36.7	32.18
Occupancy Expenses	10.28	10.19	9.03	8.93	8.68
Selling, General & Administrative	0.73	1.64	2.93	2.75	2.71
Other Non-Interest Expense	27.87	27.01	27.3	22.63	20.3
Total Non-Interest Expense	69.35	77.14	79.67	71.01	63.87
EBT Excluding Unusual Items	-55.66	16.01	11.9	36.39	34.46
Pretax Income	-68.56	16.01	11.9	36.39	34.46
Income Tax Expense	-12.54	3.56	2.68	7.51	7.16
Net Income	-56.02	12.45	9.22	28.88	27.3
Preferred Dividends & Other Adjustments	2.33	2.33	2.33	2.33	1.38
Net Income to Common	-58.35	10.12	6.89	26.56	25.91
Net Income Growth	-	35.02%	-68.08%	5.81%	34.35%
Basic Shares Outstanding	14	13	11	11	11
Diluted Shares Outstanding	14	13	11	11	11
Shares Change (YoY)	11.87%	11.96%	4.18%	-	-
EPS (Basic)	-4.17	0.81	0.62	2.48	2.42
EPS (Diluted)	-4.17	0.81	0.62	2.48	2.42
EPS Growth	-	31.17%	-75.10%	2.48%	27.54%
Dividend Per Share	0.040	0.410	0.640	0.640	0.600
Dividend Growth	-90.24%	-35.94%	-	6.67%	3.45%
Effective Tax Rate	-	22.23%	22.50%	20.63%	20.77%

Updated Jan 28, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q