• First Guaranty Bancshares posted a fiscal 2025 net loss of $(56) million, swinging from profit a year earlier.
• Net interest income edged down to $87 million from $88 million as net interest margin narrowed 19 basis points to 2.28%.
• Provision for credit losses more than tripled to $82 million, while net charge-offs climbed to $77 million.
• Total loans fell 23.2% to $2.1 billion as deposits increased 4.5% to $3.6 billion.
• First Guaranty agreed to sell Texas operations to Armstrong Bank in a transaction expected to include about $270 million in deposits and $110 million in loans.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. First Guaranty Bancshares Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001408534-26-000021), on March 31, 2026, and is solely responsible for the information contained therein.