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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Guaranty Bancshares
First Guaranty Bancshares (FGBI) investor relations material
First Guaranty Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Q3 2026 net income was $12.0 million versus a $45.0 million loss in Q3 2025; 9M net income was $18.1 million versus a $58.5 million loss. The Texas operations sale and sharply lower credit-loss provision were key factors.
Consent Order compliance actions focused on reducing leverage and classified assets; total assets, loans and deposits contracted substantially from year-end 2025.
Financial highlights
Q3 net interest income was $17.7 million versus $22.2 million YoY; 9M was $60.6 million versus $66.7 million.
Q3 provision for credit losses was $3.8 million versus $47.9 million YoY; 9M provision was $9.0 million versus $79.1 million.
Q3 total noninterest income was $19.8 million, including $16.1 million in gains on sale of branches; 9M total was $23.9 million.
Assets were $3.2 billion at Sep. 30, 2026, down $925.8 million from Dec. 31, 2025; loans fell 23.6% to $1.6 billion and deposits fell 21.4% to $2.9 billion.
Outlook and guidance
Sale agreements cover a $22.6 million OREO property and a letter of intent covers the $11.4 million second-largest nonperforming loan; both transactions were expected to close in Q4 2026.
The strategy targets the Consent Order’s 9.0% Tier 1 Leverage Ratio requirement and further reduction of classified and nonperforming assets.
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Latest events from First Guaranty Bancshares
- Q2 2026 saw a return to profitability, improved credit metrics, and new regulatory constraints.FGBI
Q2 2026 - Major loan charge-off and risk management dominated, with all proposals approved.FGBIAGM 2026
- Q1 2026 saw a return to profitability, improved capital, and lower nonperforming assets.FGBIQ1 2026
- Proxy covers director elections, executive pay, auditor ratification, and governance practices.FGBIProxy filing
- Full-year loss driven by credit losses, but Q4 earnings and capital ratios improved.FGBIQ4 2025
- Annual meeting to vote on directors, executive pay, auditor, and review governance and related party deals.FGBIProxy Filing
- Earnings rose, but nonaccrual loans and credit risk increased significantly.FGBIQ3 2024
- Strategic changes and cost cuts followed a tough year, with all proposals approved.FGBIAGM 2025
- Asset and deposit growth offset by higher nonperforming loans and increased credit loss provisions.FGBIQ4 2024
Next First Guaranty Bancshares earnings date
Q4 202628 Jan, 2027
First Guaranty Bancshares
Next First Guaranty Bancshares earnings date
Q4 202628 Jan, 2027
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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.