Company: FGBI
Filing Date: 2025-11-17
Form Type: 10-Q
Source: 0001408534-25-000092
Chunk: 118

Company: First Guaranty Bancshares, Inc.
Filing Date: 2025-11-17
Form: 10-Q
Item: Part I, Item 1
Chunk 118
---
 30, 2025Interest Sensitivity Within(in thousands except for %)3 Months Or LessOver 3 Monthsthru 12 MonthsTotal One YearOver One YearTotalEarning Assets:     Loans (including loans held for sale)$848,867 $408,890 $1,257,757 $1,021,984 $2,279,741 Securities (including FHLB stock)10,099 3,552 13,651 693,176 706,827 Federal Funds Sold554 — 554 — 554 Other earning assets742,141 — 742,141 — 742,141 Total earning assets$1,601,661 $412,442 $2,014,103 $1,715,160 $3,729,263 Source of Funds:     Interest-bearing accounts:     Demand deposits$1,390,219 $— $1,390,219 $— $1,390,219 Savings deposits215,077 — 215,077 — 215,077 Time deposits261,324 647,356 908,680 444,015 1,352,695 Short-term borrowings— — — 7,044 7,044 Long-term borrowings14,196 — 14,196 135,000 149,196 Junior subordinated debt29,790 — 29,790 — 29,790 Noninterest-bearing, net— — — 585,242 585,242 Total source of funds$1,910,606 $647,356 $2,557,962 $1,171,301 $3,729,263 Period gap$(308,945)$(234,914)$(543,859)$543,859  Cumulative gap$(308,945)$(543,859)$(543,859)$—  Cumulative gap as a percent of earning assets(8.3)%(14.6)%(14.6)%  

-60-

Item 4. Controls and Procedures

Evaluation of Disclosure Controls and Procedures

As defined by the Securities and Exchange Commission in Exchange Act Rules 13a-15(e) and 15d-15(e), a Company's "disclosure controls and procedures" means controls and other procedures of an issuer that are