{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-032901","form_type":"8-K","ticker":"SHBI","cik":"0001035092","company_name":"SHORE BANCSHARES INC","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.953181+00:00","generated_at":"2026-05-31T16:08:24.547735+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Shore Bancshares Q2 net income $11.2M, EPS $0.34; NIM expands, efficiency improves","bullets":["Net income of $11.2M ($0.34 diluted EPS) vs $8.2M ($0.25) in Q1 and $4.0M ($0.20) in Q2 2023.","Net interest margin expands to 3.11% from 3.08% Q1; efficiency ratio improves to 66.2% from 76.9%.","Provision for credit losses $2.1M vs $0.4M in Q1; net charge-offs $0.9M; nonperforming assets $18.4M (0.31% of assets).","Noninterest income rises $1.9M QoQ to $8.4M; noninterest expense drops $3.2M QoQ to $33.5M (excludes $4.3M fraud loss in Q1).","Total assets $5.9B, deposits $5.1B; Tier 1 capital ratio 9.67%, tangible common equity ratio 7.23%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-032901","json":"https://secwatch.observer/filing/0001628280-24-032901.json","markdown":"https://secwatch.observer/filing/0001628280-24-032901.md","text":"https://secwatch.observer/filing/0001628280-24-032901.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1035092/000162828024032901/0001628280-24-032901-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1035092/000162828024032901/shbi-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:08:24.547735+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"}