Company: FGBI
Filing Date: 2025-08-18
Form Type: 8-K/A
Source: 0001408534-25-000069
Chunk: 1

Company: First Guaranty Bancshares, Inc.
Filing Date: 2025-08-18
Form: 8-K/A
Chunk 1
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 the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

<div align='center'>Securities registered pursuant to Section 12(b) of the Act:</div>

| Title of each class                                                                                                                      |     | Trading Symbol(s) |     | Name of each exchange on which registered |
| Common Stock, $1 par value                                                                                                               |     | FGBI              |     | The Nasdaq Stock Market LLC               |
| Depositary Shares (each representing a 1/40th interest in a share of 6.75% Series A Fixed-Rate Non-Cumulative perpetual preferred stock) |     | FGBIP             |     | The Nasdaq Stock Market LLC               |

### EXPLANATORY NOTE
This Current Report on Form 8-K/A (this “Amendment”) amends the Current Report on Form 8-K furnished by First Guaranty Bancshares, Inc. (“First Guaranty” or the “Company”) with the Securities and Exchange Commission (the “SEC”) on August 1, 2025 (the “Original Form 8-K”). The purpose of this Amendment is to amend the financial information furnished in Exhibit 99.1 to the Original Form 8-K to give effect to adjustments to the Company’s allowance for credit losses made subsequent to quarter end.

Item 2.02 Results of Operations and Financial Conditions

On August 1, 2025, the Company filed the Original Form 8-K in which it furnished a copy of the press release announcing its financial results for the quarter ended June 30, 2025 (the “Original Press Release”). The Company is now filing this Amendment to furnish a revised press release (the “Revised Press Release”) to give effect to adjustments to the Company’s allowance for credit losses made subsequent to quarter end.

The Original Press Release reported a provision to the credit allowance of $14.7 million for the second quarter of 2025. The Revised Press Release reports a provision to the credit allowance of $16.6 million. Additionally, the Original Press Release reported First Guaranty’s allowance for credit losses as 2.36% of total loans as of June 30, 2025. The Revised