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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	140.99	158.61	190.38	167.14	126	103.35
Interest Income on Investments	67.06	54.67	31.32	15.87	10.57	8.56
Total Interest Income	208.05	213.28	221.71	183.01	136.58	111.92
Interest Paid on Deposits	112.66	115.51	119.67	87.76	33.02	20.33
Interest Paid on Borrowings	9.94	10.83	13.6	10.54	3.52	1.97
Total Interest Expense	122.61	126.34	133.27	98.3	36.53	22.3
Net Interest Income	85.45	86.94	88.44	84.71	100.04	89.62
Net Interest Income Growth	-4.78%	-1.69%	4.41%	-15.33%	11.63%	20.02%
Gain (Loss) on Sale of Assets	-0.48	-0.52	13.31	0.02	-	-
Gain (Loss) on Sale of Investments	0	-	-	-	-0.02	0.71
Other Non-Interest Income	8.56	9	9.95	10.54	9.25	9.1
Total Non-Interest Income	8.07	8.48	24.74	10.58	11.01	10.76
Non-Interest Income Growth	-29.28%	-65.74%	133.89%	-3.92%	2.31%	-54.75%
Revenues Before Loan Losses	93.52	95.42	113.18	95.28	111.05	100.38
Provision for Loan Losses	55.82	81.73	20.03	3.71	3.66	2.06
Revenue	37.7	13.69	93.14	91.57	107.4	98.32
Revenue Growth	-36.18%	-85.30%	1.72%	-14.74%	9.23%	17.65%
Salaries and Employee Benefits	28.57	30.47	38.3	40.42	36.7	32.18
Occupancy Expenses	9.86	10.28	10.19	9.03	8.93	8.68
Selling, General & Administrative	0.84	0.83	1.64	2.93	2.75	2.71
Other Non-Interest Expense	28.74	27.77	27.01	27.3	22.63	20.3
Total Non-Interest Expense	68	69.35	77.14	79.67	71.01	63.87
EBT Excluding Unusual Items	-30.3	-55.66	16.01	11.9	36.39	34.46
Pretax Income	-43.2	-68.56	16.01	11.9	36.39	34.46
Income Tax Expense	-6.83	-12.54	3.56	2.68	7.51	7.16
Net Income	-36.38	-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	-38.71	-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	24.23%	11.87%	11.96%	4.18%	-	-
EPS (Basic)	-2.47	-4.17	0.81	0.62	2.48	2.42
EPS (Diluted)	-2.47	-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	Jun 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	-63.64%	-90.24%	-35.94%	0%	6.67%	3.45%
Effective Tax Rate	-	-	22.23%	22.50%	20.63%	20.77%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Aug 29, 2026

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