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First Guaranty Bancshares (FGBI) investor relations material
First Guaranty Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Reported a net loss of $45.0 million for Q3 2025 and $58.5 million for the nine months ended September 30, 2025, driven by a $47.9 million provision for credit losses and a $12.9 million goodwill impairment charge.
The loss was primarily due to a $52.0 million credit exposure to a bankrupt auto parts manufacturer, resulting in significant reserves and downgrades of related commercial leases.
Total assets decreased by $175.4 million to $3.8 billion, and total loans declined by $414.0 million (15.4%) compared to December 31, 2024.
Retained earnings fell to $12.3 million, and shareholders' equity dropped to $221.1 million at September 30, 2025.
Financial highlights
Net interest income was $22.2 million for Q3 2025 (down from $22.7 million YoY) and $66.7 million for the nine months (up from $65.9 million YoY).
Provision for credit losses surged to $47.9 million in Q3 2025 (vs. $4.9 million YoY) and $79.1 million for the nine months (vs. $14.0 million YoY).
Allowance for credit losses was $85.7 million (3.76% of total loans) at September 30, 2025, up from $34.8 million (1.29%) at year-end 2024.
Book value per common share declined to $12.25 from $17.75 at year-end 2024.
Net interest margin for Q3 2025 was 2.34%, down 17 basis points year-over-year.
Outlook and guidance
Management continues to focus on reducing risk in the balance sheet, particularly in the loan portfolio, and preserving capital by reducing dividends.
Further analysis of the commercial lease exposure will occur as bankruptcy proceedings progress.
Management anticipates further clarification on the auto parts bankruptcy exposure in Q4 2025 and will maintain high reserves on affected credits.
Economic uncertainty and credit quality trends may require additional increases to the allowance for credit losses.
Dividend reduced to $0.01 per share in Q3 2025 to preserve capital, with 129 consecutive quarterly dividends paid.
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Next First Guaranty Bancshares earnings date
Q4 20255 Feb, 2026
Next First Guaranty Bancshares earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
First Guaranty Bancshares, Inc. is the holding company for First Guaranty Bank, which provides a range of commercial banking services primarily in Louisiana and Texas. The bank offers various deposit products, including checking, savings, money market accounts, and time deposits, catering to individuals, small businesses, and municipalities. Its lending services cover a broad spectrum, including commercial and industrial loans, residential mortgages, and agricultural loans. Additionally, First Guaranty Bank provides consumer services such as credit cards, online banking, and safe deposit boxes, and supports businesses with services like merchant solutions and remote deposit capture. The company is headquartered in Hammond, Louisiana, and its shares are listed on the NASDAQ.
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