{"schema_version":"secwatch.filing_event.v1","accession":"0001035092-25-000017","form_type":"8-K","ticker":"SHBI","cik":"0001035092","company_name":"SHORE BANCSHARES INC","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.603682+00:00","generated_at":"2026-05-17T02:24:55.621827+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"confidence":"high","headline":"Shore Bancshares Q3 net income $14.3M ($0.43 EPS) down from Q2; NIM expands to 3.42%","bullets":["Net income of $14.3M ($0.43 diluted EPS) vs $15.5M ($0.46) in Q2 2025 and $11.2M ($0.34) in Q3 2024.","Net interest income rose $1.4M QoQ to $48.7M; net interest margin expanded 7 bps to 3.42%.","Provision for credit losses doubled to $3.0M in Q3 2025 from $1.5M in Q2, driven by a large marine loan write-off.","Nonperforming assets increased to 0.45% of total assets from 0.33% in Q2; classified assets rose to 0.83% from 0.37%.","Book value per share increased to $17.27 from $16.94 in Q2; tangible common equity ratio improved to 7.80%."],"urls":{"canonical":"https://secwatch.observer/filing/0001035092-25-000017","json":"https://secwatch.observer/filing/0001035092-25-000017.json","markdown":"https://secwatch.observer/filing/0001035092-25-000017.md","text":"https://secwatch.observer/filing/0001035092-25-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1035092/000103509225000017/0001035092-25-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1035092/000103509225000017/shbi-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:24:55.621827+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"}