{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-100984","form_type":"8-K","ticker":"FUNC","cik":"0000763907","company_name":"FIRST UNITED CORP/MD/","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.104375+00:00","generated_at":"2026-05-17T03:08:55.481377+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First United Q3 net income $6.9M, EPS $1.07, up from $0.89 YoY; dividend raised to $0.26/share","bullets":["Net income $6.9M ($1.07 diluted EPS) vs $5.8M ($0.89) in Q3 2024 and $6.0M ($0.92) in Q2 2025.","Net interest margin (FTE) 3.69%, driven by higher loan yields and stable funding costs.","Commercial loan originations $29.8M, residential mortgage originations $20.8M; payoffs unusually high.","Q3 dividend raised to $0.26 per common share.","Non-accrual loans $3.8M, down from $4.9M at Dec 2024; ACL at 1.28% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-100984","json":"https://secwatch.observer/filing/0001104659-25-100984.json","markdown":"https://secwatch.observer/filing/0001104659-25-100984.md","text":"https://secwatch.observer/filing/0001104659-25-100984.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763907/000110465925100984/0001104659-25-100984-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763907/000110465925100984/tm2529124d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:08:55.481377+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"}