收入和利润（同比环比） - 2025年第二季度净利息收入2224万美元，较2024年同期的2124万美元增长4.7%[12] - 净利息收入为4446.3万美元（2025年上半年）和4316.3万美元（2024年上半年）[18] - 2025年第二季度净亏损583万美元，而2024年同期为净利润720万美元[12] - 2025年前六个月净亏损1199万美元，而2024年同期为净利润951万美元[12] - 第二季度净亏损580万美元，同比下降181.0%[3] 成本和费用（同比环比） - 2025年第二季度信贷损失拨备1470万美元，较2024年同期的681万美元增长116%[12] - 信贷损失拨备达1470万美元，同比增加116.2%[3] - 非利息支出降至1730万美元，环比减少80万美元[3] - 2025年第二季度其他非利息支出为682万美元，同比下降10.5%，其中法律和专业费用下降55.4%至67.1万美元[24] - 2025年上半年其他非利息支出为1376万美元，同比下降4.4%，监管评估费用大幅增长64.2%至315万美元[24] - 贷款费用为280万美元（2025年上半年）和400万美元（2024年上半年）[20] 贷款和资产质量 - 贷款总额下降至24.1亿美元，较2024年末减少2.833亿美元（降幅10.5%）[3] - 贷款总额从26.94亿美元下降至24.11亿美元，减少10.5%[10] - 贷款总额（扣除未赚取收入）为24.11亿美元（2025年6月30日），较上季度25.13亿美元下降[21] - 不良资产减少680万美元，主要通过阿拉巴马州养老中心贷款重组实现[3] - 截至2025年6月30日，公司不良资产总额为1.271亿美元，占总贷款的5.27%，占总资产的3.20%[23] - 2025年第二季度非应计贷款总额为1.192亿美元，较2024年12月31日的1.085亿美元增长9.8%[23] - 多户住宅非应计贷款大幅增长至3467万美元，较2024年9月30日的537万美元增长545%[23] - 商业地产非应计贷款达5967万美元，为各类别中最高[23] - 最大6笔不良贷款关系占不良贷款总额75%，合计8920万美元[4] - 2025年第二季度贷款净冲销率为0.60%，低于上一季度的1.03%[23] 信贷损失准备金 - 信贷损失准备金率升至2.36%，较2024年末1.29%增长83%[3] - 贷款损失准备金从3481万美元增至5696万美元，增长63.5%[10] - 信用损失准备金覆盖非应计贷款比例为47.80%，较2024年12月31日的32.08%显著提升[23] 净息差和收益率 - 净息差降至2.34%，同比下降14个基点[4] - 净息差为2.35%（2025年上半年）和2.53%（2024年上半年）[18][19] - 净息差（税务调整后）为2.35%（2025年上半年）和2.47%（2024年同期）[15][19] - 平均生息资产收益率从6.25%下降至5.72%，融资成本从4.53%下降至4.00%[14] - 证券投资平均余额为6.64亿美元（2025年上半年），收益率3.43%[18] - 计息存款平均余额为13.71亿美元（2025年上半年），成本率3.67%[18] - 定期存款平均余额为14.24亿美元（2025年上半年），成本率4.40%[18] 投资和资产 - 投资证券增至7.197亿美元，较2024年末增长19.4%[4] - 总生息资产平均余额为38.21亿美元（2025年上半年）和34.33亿美元（2024年上半年）[18] - 截至2025年6月30日总资产为39.71亿美元，较2024年末的39.73亿美元基本持平[10] 贷款组合构成 - 房地产贷款占贷款组合80.1%（2025年6月30日），其中非农非住宅地产占比最高达43.5%[21] 股息支付 - 2025年第二季度普通股现金股息降至每股0.01美元，较2024年同期的0.16美元下降93.75%[8] - 2025年前六个月优先股股息支付额为120万美元[8] 资本和流动性 - 2025年6月30日有形普通股权益为2.159亿美元，有形普通股每股价值14.28美元[28] - 有形普通股权益与有形资产比率为5.46%，较2024年12月31日的5.21%有所改善[28] 人员变动 - 全职等效员工减至360人，较2024年同期减少135人[4]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT For the transition period from __________ to __________ Commission File Number: 001-37621 FIRST GUARANTY BANCSHARES, INC. (Exact name of registrant as specified in its charter) Louisiana 26-0513559 (State or o ...

EXHIBIT 99.1 APRIL 29, 2025 NEWS FOR IMMEDIATE RELEASE CONTACT: ERIC J. DOSCH, CFO 985.375.0308 First Guaranty Bancshares, Inc. Announces First Quarter 2025 Financial Results Hammond, Louisiana, April 29, 2025 – First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, announced its unaudited financial results for the first quarter and three months ending March 31, 2025. Financial Highlights for the first quarter ended March 31, 2025, are as follows: • F ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT For the transition period from __________ to __________ (Address of principal executive offices) (Zip Code) (985) 345-7685 (Registrant's telephone number, including area code) Securities registered pursuant t ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ______________. Commission file number: 001-37621 FIRST GUARANTY BANCSHARES, INC. (Exact name of registrant as specified in its charter) Louisiana 26-051355 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Louisiana 001-37621 26-0513559 (State or other jurisdiction (Commission File Number) (I.R.S. Employer incorporation or organization) Identification Number) 400 East Thomas Street Hammond, Louisiana 70401 (Address of principal executive offices) (Zip Code) FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 5, 2025 FIRST GUARANTY BANCSHA ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT For the transition period from __________ to __________ Commission File Number: 001-37621 FIRST GUARANTY BANCSHARES, INC. (Exact name of registrant as specified in its charter) Louisiana 26-0513559 (State ...

EXHIBIT 99.1 OCTOBER 30, 2024 NEWS FOR IMMEDIATE RELEASE CONTACT: ERIC J. DOSCH, CFO 985.375.0308 First Guaranty Bancshares, Inc. Announces Third Quarter 2024 Financial Results Hammond, Louisiana, October 30, 2024 – First Guaranty Bancshares, Inc. ("First Guaranty") (NASDAQ: FGBI), the holding company for First Guaranty Bank, announced its unaudited financial results for the third quarter and nine months ending September 30, 2024. Financial Highlights for the third quarter and nine months ended September 30 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or (State or other jurisdiction incorporation or organization) (I.R.S. Employer Identification Number) 400 East Thomas Street Hammond, Louisiana 70401 (Address of principal executive offices) (Zip Code) ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT For the t ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT For the transition period from __________ to __________ Commission File Number: 001-37621 FIRST GUARANTY BANCSHARES, INC. (Exact name of registrant as specified in its charter) Louisiana 26-0513559 (State or ...