First Guaranty Bancshares, Inc. (FGBI)

First Guaranty Bancshares Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	129.09	158.61	190.38	167.14	126	103.35
Interest Income on Investments	69.33	54.67	31.32	15.87	10.57	8.56
Total Interest Income	198.42	213.28	221.71	183.01	136.58	111.92
Interest Paid on Deposits	107.9	115.51	119.67	87.76	33.02	20.33
Interest Paid on Borrowings	9.66	10.83	13.6	10.54	3.52	1.97
Total Interest Expense	117.56	126.34	133.27	98.3	36.53	22.3
Net Interest Income	80.86	86.94	88.44	84.71	100.04	89.62
Net Interest Income Growth	-9.43%	-1.69%	4.41%	-15.33%	11.63%	20.02%
Gain (Loss) on Sale of Assets	17.74	-0.52	13.31	0.02	-	-
Gain (Loss) on Sale of Investments	0	-	-	-	-0.02	0.71
Other Non-Interest Income	8.29	9	9.95	10.54	9.25	9.1
Total Non-Interest Income	26.03	8.48	24.74	10.58	11.01	10.76
Non-Interest Income Growth	193.46%	-65.74%	133.89%	-3.92%	2.31%	-54.75%
Revenues Before Loan Losses	106.89	95.42	113.18	95.28	111.05	100.38
Provision for Loan Losses	11.64	81.73	20.03	3.71	3.66	2.06
Revenue	95.25	13.69	93.14	91.57	107.4	98.32
Revenue Growth	630.65%	-85.30%	1.72%	-14.74%	9.23%	17.65%
Salaries and Employee Benefits	28.13	30.47	38.3	40.42	36.7	32.18
Occupancy Expenses	9.37	10.28	10.19	9.03	8.93	8.68
Selling, General & Administrative	0.87	0.83	1.64	2.93	2.75	2.71
Other Non-Interest Expense	31.23	27.77	27.01	27.3	22.63	20.3
Total Non-Interest Expense	69.59	69.35	77.14	79.67	71.01	63.87
EBT Excluding Unusual Items	25.66	-55.66	16.01	11.9	36.39	34.46
Pretax Income	25.66	-68.56	16.01	11.9	36.39	34.46
Income Tax Expense	5.08	-12.54	3.56	2.68	7.51	7.16
Net Income	20.58	-56.02	12.45	9.22	28.88	27.3
Preferred Dividends & Other Adjustments	2.33	2.33	2.33	2.33	2.33	1.38
Net Income to Common	18.25	-58.35	10.12	6.89	26.56	25.91
Net Income Growth	-	-	46.87%	-74.06%	2.48%	27.54%
Basic Shares Outstanding	16	14	13	11	11	11
Diluted Shares Outstanding	16	14	13	11	11	11
Shares Change	20.67%	11.87%	11.96%	4.18%	-	-
EPS (Basic)	1.14	-4.17	0.81	0.62	2.48	2.42
EPS (Diluted)	1.14	-4.17	0.81	0.62	2.48	2.42
EPS Growth	-	-	31.17%	-75.10%	2.48%	27.54%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.040	0.040	0.410	0.640	0.640	0.600
Dividend Growth	0%	-90.24%	-35.94%	0%	6.67%	3.45%
Effective Tax Rate	19.80%	-	22.23%	22.50%	20.63%	20.77%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 2, 2026

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