{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-116913","form_type":"8-K","ticker":"FUNC","cik":"0000763907","company_name":"FIRST UNITED CORP/MD/","filed_at":"2026-10-19T20:30:57+00:00","discovered_at":"2026-10-19T20:32:00.296945+00:00","generated_at":"2026-10-19T20:32:08.341519+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"First United posts Q3 net income $7.2M, EPS $1.11; NIM expands to 4.05%","bullets":["Q3 2026 net income $7.2M, or $1.11 diluted EPS, vs $6.9M/$1.07 in Q3 2025 and $5.7M/$0.88 in Q2 2026.","Net interest margin on non-GAAP FTE basis was 4.05%, up 7 bps from Q2's 3.98%; nine-month NIM 3.94% vs 3.64% in 2025.","Provision for credit losses $1.9M vs $0.8M in Q2 and $0.5M in Q3 2025; ACL 1.36% of loans; net charge-offs $0.1M.","Commercial loan originations $115.0M and residential mortgage originations $34.7M in Q3; gross loans up $83.7M YTD to $1.6B.","Declared cash dividend $0.28/share; book value $33.15/share vs $31.33 at Dec. 31; deposits up $52.6M YTD to $1.8B."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-116913","json":"https://secwatch.observer/filing/0001104659-26-116913.json","markdown":"https://secwatch.observer/filing/0001104659-26-116913.md","text":"https://secwatch.observer/filing/0001104659-26-116913.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/763907/000110465926116913/0001104659-26-116913-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/763907/000110465926116913/tm2627814d1_8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-19T20:32:08.341519+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"}