First Guaranty Bancshares, Inc. (FGBI)

First Guaranty Bancshares Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	169.41	190.38	167.14	126	103.35	90.81
Interest Income on Investments	50.6	31.32	15.87	10.57	8.56	9.88
Total Interest Income	220	221.71	183.01	136.58	111.92	100.68
Interest Paid on Deposits	119.46	119.67	87.76	33.02	20.33	23.27
Interest Paid on Borrowings	11.27	13.6	10.54	3.52	1.97	2.75
Total Interest Expense	130.73	133.27	98.3	36.53	22.3	26.02
Net Interest Income	89.28	88.44	84.71	100.04	89.62	74.67
Net Interest Income Growth (YoY)	2.73%	4.41%	-15.33%	11.63%	20.02%	21.06%
Gain (Loss) on Sale of Assets	-0.3	13.31	0.02	-	-	-
Gain (Loss) on Sale of Investments	-	-	-	-0.02	0.71	14.79
Other Non-Interest Income	9.17	9.95	10.54	9.25	9.1	7.94
Total Non-Interest Income	8.87	24.74	10.58	11.01	10.76	23.78
Non-Interest Income Growth (YoY)	-64.25%	133.89%	-3.92%	2.31%	-54.75%	186.54%
Revenues Before Loan Losses	98.15	113.18	95.28	111.05	100.38	98.45
Provision for Loan Losses	85.11	20.03	3.71	3.66	2.06	14.88
Revenue	13.04	93.14	91.57	107.4	98.32	83.57
Revenue Growth (YoY)	-86.35%	1.72%	-14.74%	9.23%	17.65%	28.34%
Salaries and Employee Benefits	31.62	38.3	40.42	36.7	32.18	29.6
Occupancy Expenses	10.68	10.19	9.03	8.93	8.68	7.71
Selling, General & Administrative	1.64	1.64	2.93	2.75	2.71	1.45
Other Non-Interest Expense	26.51	27.01	27.3	22.63	20.3	19.28
Total Non-Interest Expense	70.45	77.14	79.67	71.01	63.87	58.03
EBT Excluding Unusual Items	-57.41	16.01	11.9	36.39	34.46	25.54
Pretax Income	-70.31	16.01	11.9	36.39	34.46	25.54
Income Tax Expense	-12.85	3.56	2.68	7.51	7.16	5.22
Net Income	-57.46	12.45	9.22	28.88	27.3	20.32
Preferred Dividends & Other Adjustments	2.33	2.33	2.33	2.33	1.38	-
Net Income to Common	-59.79	10.12	6.89	26.56	25.91	20.32
Net Income Growth	-	35.02%	-68.08%	5.81%	34.35%	42.67%
Basic Shares Outstanding	13	13	11	11	11	11
Diluted Shares Outstanding	13	13	11	11	11	11
Shares Change (YoY)	8.11%	11.96%	4.18%	-	-	0.48%
EPS (Basic)	-4.51	0.81	0.62	2.48	2.42	1.90
EPS (Diluted)	-4.51	0.81	0.62	2.48	2.42	1.90
EPS Growth	-	31.17%	-75.10%	2.48%	27.54%	42.00%
Dividend Per Share	0.040	0.410	0.640	0.640	0.600	0.580
Dividend Growth	-92.86%	-35.94%	-	6.67%	3.45%	7.41%
Effective Tax Rate	-	22.23%	22.50%	20.63%	20.77%	20.44%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q