First Guaranty Bancshares Q2 FY26 net income turns to profit at $3.43 million; net interest income slips 5.6% to $51.28 million

• First Guaranty Bancshares swung to Q2 profit, posting net income of USD 3.43 million, versus a net loss of USD 7.3 million.
• Diluted EPS turned positive at USD 0.17; net interest income edged up to USD 22.28 million.
• Provision for credit losses fell to USD 2.63 million from USD 16.61 million.
• Total assets slipped 4.5% to USD 3.9 billion; loans dropped 14.7% to USD 1.77 billion, while deposits fell 4.8% to USD 3.46 billion.
• Bank sold its Texas operations on July 31; regulators issued an FDIC/OFI Consent Order requiring a 9% Tier 1 leverage ratio.

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