---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-26-045868"
form_type: "8-K"
ticker: "SHFS"
cik: "0001854963"
company_name: "SHF Holdings, Inc."
filed_at: "2026-10-06T12:30:23+00:00"
generated_at: "2026-10-12T16:31:48.856612+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Safe Harbor reports Q3 2026 trailing 14-day average deposits of $119.3 million, up 7.4% year-over-year

## Summary
- Trailing 14-day average client deposits reached approximately $119.3 million as of Sept. 30, 2026, up 7.4% from $111.1 million a year earlier.
- Deposits rose 9.6% sequentially from $108.9 million at June 30, 2026, more than double the 4.1% increase recorded in the prior quarter.
- CEO Terry Mendez said deposit growth reflects the strategy across banking, lending, business solutions and institutional infrastructure.
- Safe Harbor estimates the Fed's 25-basis-point rate increase on Sept. 16, 2026 will add about $150,000 in annualized investment income.
- Quarter-end balance was highest since April 2024 and about 25% above the May 2025 low of $95.3 million.

## SEC filing metadata
- accession: 0001493152-26-045868
- form_type: 8-K
- ticker: SHFS
- cik: 0001854963
- company_name: SHF Holdings, Inc.
- filed_at: 2026-10-06T12:30:23+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1854963/000149315226045868/0001493152-26-045868-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1854963/000149315226045868/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-045868
- JSON: https://secwatch.observer/filing/0001493152-26-045868.json
- Plain text: https://secwatch.observer/filing/0001493152-26-045868.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.