{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-003214","form_type":"8-K","ticker":"SHBI","cik":"0001035092","company_name":"SHORE BANCSHARES INC","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.753678+00:00","generated_at":"2026-05-27T05:04:38.202616+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 Q4 net income $13.3M ($0.40 EPS) vs $0.34 in Q3; full-year EPS $1.32","bullets":["Q4 net income $13.3M, EPS $0.40; full-year 2024 net income $43.9M, EPS $1.32 (vs $11.2M, $0.42 in 2023).","Net interest income $44.0M (+$748K QoQ); NIM 3.03% (core NIM 2.85%, up 1bp).","Nonperforming assets rose to $24.8M (0.40% of assets) from $15.8M (0.27%) in Q3; ACL at 1.21% of loans.","Efficiency ratio improved to 64.21% from 67.49% in Q3; $4.7M credit card fraud event in 2024.","Total assets $6.23B, deposits $5.53B; CRE office portfolio $506M, 10.60% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-003214","json":"https://secwatch.observer/filing/0001628280-25-003214.json","markdown":"https://secwatch.observer/filing/0001628280-25-003214.md","text":"https://secwatch.observer/filing/0001628280-25-003214.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1035092/000162828025003214/0001628280-25-003214-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1035092/000162828025003214/shbi-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:04:38.202616+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"}