{"schema_version":"secwatch.filing_event.v1","accession":"0001035092-25-000007","form_type":"8-K","ticker":"SHBI","cik":"0001035092","company_name":"SHORE BANCSHARES INC","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.165719+00:00","generated_at":"2026-05-18T01:53:01.046829+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"confidence":"high","headline":"Shore Bancshares Q2 net income $15.5M ($0.46 EPS), up 35% YoY; NIM expands to 3.35%","bullets":["Net income $15.5M ($0.46 diluted EPS) vs Q1 $13.8M ($0.41) and Q2 2024 $11.2M ($0.34).","Net interest margin expanded 11 bps to 3.35% from 3.24% Q1; net interest income $47.3M.","ROAA 1.03% vs 0.91% Q1; efficiency ratio improved to 60.83% from 63.64%.","Book value per share $16.94, up from $15.74 a year ago; tangible equity ratio 7.88%.","Provision for credit losses $1.5M in Q2 vs $1.0M Q1; net charge-offs $649K."],"urls":{"canonical":"https://secwatch.observer/filing/0001035092-25-000007","json":"https://secwatch.observer/filing/0001035092-25-000007.json","markdown":"https://secwatch.observer/filing/0001035092-25-000007.md","text":"https://secwatch.observer/filing/0001035092-25-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1035092/000103509225000007/0001035092-25-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1035092/000103509225000007/shbi-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:53:01.046829+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}