---
schema_version: "secwatch.filing_event.v1"
accession: "0001750735-26-000033"
form_type: "8-K"
ticker: "MRBK"
cik: "0001750735"
company_name: "Meridian Corp"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:36:02.714856+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Meridian Q1 net income $4.7M ($0.39 EPS), NIM 3.82%; declares $0.14 dividend

## Summary
- Net income $4.7M, diluted EPS $0.39; down 34% QoQ from $7.2M ($0.61) but up 96% YoY from $2.4M ($0.21).
- Net interest margin improved to 3.82% from 3.46% YoY; cost of funds declined to 3.04%.
- Pre-provision net revenue $10.1M, up 21% YoY; CEO says underlying operating performance is durable.
- Provision for credit losses $4.0M; net charge-offs $3.9M; NPLs $55.7M (2.50% of loans), 54% SBA-guaranteed.
- Quarterly dividend of $0.14 per share declared, payable May 11 to shareholders of record May 4.

## SEC filing metadata
- accession: 0001750735-26-000033
- form_type: 8-K
- ticker: MRBK
- cik: 0001750735
- company_name: Meridian Corp
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1750735/000175073526000033/0001750735-26-000033-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1750735/000175073526000033/mrbk-20260423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001750735-26-000033
- JSON: https://secwatch.observer/filing/0001750735-26-000033.json
- Plain text: https://secwatch.observer/filing/0001750735-26-000033.txt

## Key facts
- Earnings Releases
  Meridian Corp reported First Quarter 2026 results: net income $4.7 million, EPS $0.39 per diluted share.
  - Period: First Quarter 2026
  - Net income: $4.7 million
  - EPS: $0.39 per diluted share
  - Result: reported results
  source text: Net income for the quarter ended March 31, 2026 was $4.7 million, or $0.39 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1750735/000175073526000033/0001750735-26-000033-index.htm

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