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First Guaranty Bancshares (FGBI) investor relations material
First Guaranty Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Net loss of $7.3M for Q2 2025 and $13.5M for H1 2025, driven by higher credit loss provisions and lower noninterest income compared to prior year periods.
Loan portfolio reduced by $283.3M (10.5%) since December 2024 as part of a risk reduction strategy, especially in commercial real estate.
Noninterest expense declined $0.8M sequentially and $3.3M year-over-year, reflecting cost reduction initiatives.
Dividend reduced to $0.01 per share in Q2 2025 to support capital, with 128 consecutive quarterly dividends paid.
Shareholders' equity rose to $263.1M, aided by debt-to-equity conversions and private placements.
Financial highlights
Net interest income was $22.2M for Q2 2025, up from $21.2M in Q2 2024; net interest margin declined to 2.34% from 2.48%.
Provision for credit losses surged to $16.6M in Q2 2025 (vs. $6.8M prior year); $31.2M for H1 2025 (vs. $9.1M prior year).
Noninterest income dropped to $2.2M in Q2 2025 from $15.5M in Q2 2024, mainly due to absence of prior year sale-leaseback gains.
Book value per common share was $15.21 at June 30, 2025, down from $17.75 at year-end 2024.
Allowance for credit losses rose to 2.36% of total loans at June 30, 2025, from 1.29% at December 31, 2024.
Outlook and guidance
Management expects continued reduction in commercial real estate exposure and further risk mitigation in the loan portfolio.
Largest OREO property under contract for sale, with closing anticipated in Q4 2025.
Anticipates ongoing expense control and capital strengthening through reduced dividends and equity issuance.
Additional credit loss provisions may be required if economic or portfolio conditions deteriorate.
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Next First Guaranty Bancshares earnings date
Q3 202529 Oct, 2025
Next First Guaranty Bancshares earnings date
Q3 202529 Oct, 2025
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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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