First Guaranty Bancshares, Inc.

Overview

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• TickerFGBI on Nasdaq²
• IndustrySavings Institution, Federally Chartered²
• HeadquartersHammond, United States²
• Incorporated inLA³
• Business address400 East Thomas Street, Hammond, La 70401³
• Filer categoryNon-accelerated filer, Smaller reporting company³
• Legal formCorporation²
• LEI549300600XNPWN48W622²
• StatusActive²
• LEI statusLapsed (not renewed)²
• Registered addressC/O ALTON B. LEWIS, 70401 Hammond, United States²
• Registered withCorporations Section (Office of the Secretary of State), 35587971D²

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Congress passed the Private Securities Litigation Act of 1995 in an effort to encourage corporations to provide information about their anticipated future financial performance. This act provides a safe harbor for such disclosure, which protects us from unwarranted litigation, if actual results are different from management expectations. This discussion and analysis contains forward-looking statements and reflects management's current views and estimates of future economic circumstances, industry conditions, company performance and financial results. The words "may," "should," "expect," "anticipate," "intend," "plan," "continue," "believe," "seek," "estimate", "future", "likely" and similar expressions are intended to identify forward-looking statements. These forward-looking statements are subject to a number of factors and uncertainties, including, but not limited to, changes in genera…⁵ From its latest annual report

Corporate structure

First Guaranty Bancshares, Inc. sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What First Guaranty Bancshares, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Investments

Intangibles and goodwill

Properties, in its own words

First Guaranty does not directly own any real estate, but it does own real estate indirectly through the Bank. The Bank operates 30 banking facilities. The following table sets forth certain information relating to each office. The net book value of premises and equipment at all branch locations, including the raw land of branches under development, at December 31, 2025 totaled $59.6 million. We believe that our properties are adequate for our business operations as they are currently being conducted.

Location · Use of Facilities · Year FacilityOpened or Acquired · Owned/Leased

Item 2 of the 10-K filed Mar 31, 2026.⁵

Leadership

Who has led First Guaranty Bancshares, Inc., and when. Pick a name to see everywhere that person has worked.

• Chief executive officerMichael Ray Mineer Jun 12, 2024 to Aug 1, 2024¹⁵
• Chief executive officerAlton B. Lewis Jr. Jan 22, 2010 to Feb 16, 2024¹⁶
• Chief executive officerMichael R. Sharp Feb 13, 2008 to Feb 9, 2009¹⁷
• ChairMarshall T. Reynolds Feb 13, 2008 to Nov 15, 2022¹⁸
• PresidentMichael R. Sharp Dec 22, 2009 to Jun 18, 2010¹⁹
• Chief financial officerEric Dosch May 28, 2010 to now²⁰
• Chief financial officerMichele E. Lobianco Feb 13, 2008 to Jan 22, 2010²¹

Named in SEC Form D filings

People the company listed in its private-offering notices.

• DirectorJack T. Rossi named Jun 1, 2023 to Jul 13, 2026³⁴
• DirectorWilliam K. Hood named Jun 1, 2023 to Jul 14, 2025³⁵

Subsidiaries and ownership

Subsidiaries (GLEIF)

• First Guaranty Bank⁴

Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record.

Timeline

1. Sep 10, 20268-K Other events³⁶
2. Aug 7, 20268-K Other events³⁷
3. Aug 6, 20268-K Regulation FD disclosure³⁸
4. Aug 5, 20268-K Other events³⁹
5. Jul 31, 20268-K Results of operations⁴⁰
6. Jul 27, 20268-K Results of operations⁴¹
7. Jun 4, 20268-K Other events⁴²
8. May 22, 20268-K Shareholder vote⁴³
9. May 7, 20268-K Results of operations⁴⁴
10. May 5, 20268-K Ended a material agreement⁴⁵
11. May 1, 20268-K Other events⁴⁶
12. Apr 27, 20268-K Results of operations⁴⁷
13. Jun 12, 2024New chief executive Michael Ray Mineer becomes CEO¹⁵
14. Jan 22, 2010New chief executive Alton B. Lewis Jr. becomes CEO¹⁶
15. Feb 13, 2008New chief executive Michael R. Sharp becomes CEO¹⁷

Calendar

Coming up

1. Nov 16, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported ($2.16) a share, on Nov 17, 2025.⁴⁸

When it reported results

1. Jul 31, 2026Reported quarterly or annual results⁴⁰
2. Jul 27, 2026Reported quarterly or annual results⁴¹
3. May 7, 2026Reported quarterly or annual results⁴⁴
4. Apr 27, 2026Reported quarterly or annual results⁴⁷
5. Feb 20, 2026Reported quarterly or annual results⁴⁹
6. Jan 28, 2026Reported quarterly or annual results⁵⁰
7. Nov 14, 2025Reported quarterly or annual results⁵¹
8. Oct 31, 2025Reported quarterly or annual results⁵²

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

317 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 145 major events, 98 insider forms, 18 large holders, 9 private raises, 27 other. The latest 20:

1. Oct 8, 2026D EDGAR
2. Oct 2, 20264 EDGAR
3. Sep 18, 20264 EDGAR
4. Sep 17, 20264 EDGAR
5. Sep 11, 20264 EDGAR
6. Sep 10, 20264 EDGAR
7. Sep 10, 20268-K 8-K COMMON DIVIDEND DECLARATION EDGAR
8. Sep 8, 20264 EDGAR
9. Aug 31, 20264 EDGAR
10. Aug 20, 20264 EDGAR
11. Aug 18, 20264 EDGAR
12. Aug 14, 20264 EDGAR
13. Aug 14, 202610-Q EDGAR
14. Aug 7, 20268-K EDGAR
15. Aug 6, 20268-K EDGAR
16. Aug 5, 20268-K EDGAR
17. Jul 31, 20268-K EDGAR
18. Jul 27, 20268-K EDGAR
19. Jul 13, 2026D EDGAR
20. Jul 1, 20264 EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

108 open-market trades by officers, directors and large owners since October 2021: 103 buys and 5 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

• Marshall T. ReynoldsSCHEDULE 13D/A, 3 filings Feb 14, 2023 to Jan 5, 2026⁵³
• Smith Edgar R. IIISCHEDULE 13D/A, 8 filings Feb 14, 2023 to Jan 5, 2026⁵⁴
• Douglas Reynolds V.SC 13G, 2 filings Feb 14, 2023 to Feb 14, 2024⁵⁵
• Hood William KSC 13D/A, 5 filings Feb 14, 2023 to Feb 14, 2024⁵⁶

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

1. Jun 30, 2026Raised $794,127 in a private offering of equity³⁴ Form D: 1 investor so far Form D
2. Apr 30, 2026Raised $4 million in a private offering of equity⁵⁸ Form D: 4 investors so far Form D
3. Mar 31, 2026Raised $1.3 million in a private offering of equity⁵⁹ Form D: 4 investors so far Form D
4. Dec 31, 2025Raised $2.4 million in a private offering of equity⁶⁰ Form D: 4 investors so far Form D
5. Sep 30, 2025Raised $1.9 million in a private offering of equity⁶¹ Form D: 6 investors so far Form D
6. Jun 30, 2025Raised $17 million in a private offering of equity³⁵ Form D: 5 investors so far Form D
7. Dec 19, 2023Raised $10 million in a private offering of equity⁶² Form D: 8 investors so far Form D
8. May 23, 2023Raised $10 million in a private offering of equity⁶³ Form D: 17 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 41. Change is in shares since the quarter before.

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

7 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How First Guaranty Bancshares, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARFirst Guaranty Bancshares, Inc.¹
• CIK0001408534
• Employer ID (EIN)26-0513559⁵
• Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company⁵
• Incorporated inLouisiana⁵
• Fiscal year endsDecember 31¹
• Industry code (SIC)6035 Savings Institution, Federally Chartered¹
• SEC reviewing officeOffice of Finance, Division of Corporation Finance¹
• Business address400 East Thomas Street, Hammond, LA 70401¹
• Phone985-345-7685¹
• Shares outstanding16,539,094 as of Aug 13, 2026¹²
• Public float$43.6M as of Jun 30, 2025⁵
• AuditorGriffith, DeLaney, Hillman & Lett, CPAs, PSC, Ashland, Kentucky PCAOB ID 274; no auditor attestation of internal control over financial reporting⁵
• On EDGAR sinceAug 2, 2007¹
• Filings870 in all: 8-K (332), 4 (281), 10-Q (57), 10-K (19), DEF 14A (19), 5 (17), CORRESP (17), 3 (13)¹
  All 39 form types

  UPLOAD (13), D (12), ARS (11), SC 13D/A (10), EFFECT (7), 4/A (6), 8-K/A (6), S-1/A (6), SC 13D (5), 424B5 (3), 425 (3), FWP (3), S-3 (3), SCHEDULE 13D/A (3), 424B3 (2), 8-A12B (2), DEFA14A (2), NT 10-Q (2), S-4 (2), S-4/A (2), SC 13G (2), 10-Q/A (1), 424B4 (1), 8-K12G3 (1), CERT (1), CERTNAS (1), POS AM (1), RW (1), S-1 (1), S-3/A (1), S-8 (1)

• Latest filingsAnnual report (10-K) Mar 31, 2026
  Quarterly report (10-Q) Aug 14, 2026
  Proxy statement (DEF 14A) Apr 21, 2026
  Latest 8-K (8-K) Sep 10, 2026

Securities registered for trading

From the cover page of the 10-K filed Mar 31, 2026 (Section 12(b) of the Exchange Act).⁵

Risk factors and legal proceedings

The risks First Guaranty Bancshares, Inc. names in Item 1A of its 10-K filed Mar 31, 2026: 49 risks under these headings, as written.⁵

• Risks Related to Our Lending
• We have recently experienced an increase in nonperforming assets.
• Adverse events in Louisiana, Texas, Kentucky, and West Virginia, where our business is concentrated, could adversely affect our results of operations and future growth.
• We have a significant number of loans secured by real estate, and a downturn in the local or national real estate market could negatively impact our profitability.
• Our loan portfolio is concentrated within certain industries and borrowing relationships.
• Our loan portfolio consists of a high percentage of loans secured by non-farm non-residential real estate. These loans carry a greater credit risk than loans secured by one- to four-family properties.
• A portion of our loan portfolio is comprised of commercial and industrial loans secured by accounts receivables, inventory, equipment or other commercial collateral, the deterioration in value of which could increase the potential for future losses.
• A portion of our loan portfolio is comprised of commercial leases secured by equipment or other commercial collateral, the deterioration in value of which could increase the potential for future losses.
• A portion of our loan portfolio consists of syndicated loans, including syndicated loans known as shared national credits, secured by assets located generally outside of our market area. Syndicated loans may have a higher risk of loss than other loans we originate because we are not the lead lender and we have limited control over credit monitoring.
• If the allowance for credit losses is not sufficient to cover actual loan losses, earnings could decrease.
• Emphasis on the origination of short-term loans could expose us to increased lending risks.
• The level of concentrations in our commercial real estate loan portfolio subjects us to additional regulatory scrutiny.

Legal proceedings

First Guaranty is subject to various legal proceedings in the normal course of its business. First Guaranty assesses its liabilities and contingencies in connection with outstanding legal proceedings. Where it is probable that First Guaranty will incur a loss and the amount of the loss can be reasonably estimated, First Guaranty records a liability in its consolidated financial statements. First Guaranty does not record a loss if the loss is not probable, or the amount of the loss is not estimable. First Guaranty Bank is a defendant in a lawsuit alleging fault for a loss of funds by a customer related to fraud by a third party, with a possible loss range of $0.0 million to $1.5 million. The Bank denies the allegations and intends to vigorously defend against this lawsuit, which is in early stages, and no trial has been set. No accrued liability has been recorded related to this lawsuit. In the opinion of management, neither First Guaranty nor First Guaranty Bank is currently involved in such legal proceedings, either individually or in the aggregate, that the resolution is expected to have a material adverse effect on First Guaranty’s consolidated results of operations, financial condition, or cash flows. However, one or more unfavorable outcomes in these ordinary claims or litigation against First Guaranty or First Guaranty Bank could have a material adverse effect for the period in which they are resolved. In addition, regardless of their merits or ultimate outcomes, such matters are costly, divert management’s attention, and may materially and adversely affect the reputation of First Guaranty and First Guaranty Bank, even if resolved favorably.

The opening of Item 3, Legal Proceedings.⁵