{"schema_version":"secwatch.filing_event.v1","accession":"0001035092-26-000006","form_type":"8-K","ticker":"SHBI","cik":"0001035092","company_name":"SHORE BANCSHARES INC","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.432738+00:00","generated_at":"2026-05-16T06:50:35.705942+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"confidence":"high","headline":"Shore Bancshares Q4 net income $15.9M ($0.48 EPS); NIM expands to 3.43%, but NPAs rise to 0.69%","bullets":["Q4 net income $15.9M ($0.48 diluted EPS) vs $14.3M ($0.43) in Q3 2025 and $13.3M ($0.40) in Q4 2024.","Full-year 2025 net income $59.5M, up 36% from $43.9M in 2024; net interest margin improved to 3.36% from 3.10%.","Nonperforming assets 0.69% of total assets at Dec 31, 2025, up from 0.45% at Sep 30, 2025 and 0.40% at Dec 31, 2024.","Q4 provision for credit losses $2.8M; net charge-offs $3.6M driven by a large CRE loan write-down.","Board revises dividend schedule to consider declarations in Feb/May/Aug/Nov with payment the following month."],"urls":{"canonical":"https://secwatch.observer/filing/0001035092-26-000006","json":"https://secwatch.observer/filing/0001035092-26-000006.json","markdown":"https://secwatch.observer/filing/0001035092-26-000006.md","text":"https://secwatch.observer/filing/0001035092-26-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1035092/000103509226000006/0001035092-26-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1035092/000103509226000006/shbi-20260128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:50:35.705942+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"}