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Shore Bancshares (SHBI) investor relations material
Shore Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $15.5M ($0.46 per diluted share), up from $11.2M in Q2 2024 and $13.8M in Q1 2025, driven by higher net interest and noninterest income, especially mortgage banking.
ROAA improved to 1.03% in Q2 2025 from 0.77% in Q2 2024 and 0.91% in Q1 2025; book value per share rose to $16.94 at June 30, 2025.
Asset quality remained stable with nonperforming assets at 0.33% of total assets and classified assets at 0.37% as of June 30, 2025.
Efficiency ratio improved to 60.83% in Q2 2025 from 66.23% in Q2 2024, reflecting better operating leverage.
Financial highlights
Net interest income for Q2 2025 was $47.3M, up 12.1% year-over-year and 2.7% sequentially; net interest margin expanded to 3.35%.
Noninterest income increased 10.4% year-over-year and 33.1% sequentially to $9.3M, led by mortgage banking and a one-time credit card incentive.
Noninterest expense rose 2.7% year-over-year to $34.4M, mainly from higher salaries, benefits, and software costs.
For the first half of 2025, net income was $29.3M ($0.88 per share), up 50.7% from $19.4M ($0.58) in the prior year period.
Net charge-offs for Q2 2025 were $649K, down from $886K in Q2 2024.
Outlook and guidance
Management anticipates continued improvements in operating leverage through ongoing expense management and technology investments.
Asset yield increases are expected to support margins for the rest of 2025, with continued investments in infrastructure and personnel.
The company expects to maintain strong capital and liquidity positions, with no substantial doubt about its ability to continue as a going concern.
How will tech investments improve leverage?
Detail office CRE loan exposure by area.
Explain the driver of deposit decrease.
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Next Shore Bancshares earnings date
Q3 202523 Oct, 2025
Next Shore Bancshares earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Shore Bancshares Inc. is a financial holding company that operates primarily through its two subsidiaries, Shore United Bank, N.A. and Mid-Maryland Title Company, Inc. Shore United Bank offers a comprehensive range of consumer and commercial banking products and services, including mortgage lending, trust services, wealth management, and financial planning. The bank serves individuals, businesses, and organizations through its network of over 40 branches, ATMs, and loan production offices across several counties in Maryland and neighboring regions. The Mid-Maryland Title Company provides title services related to real estate transactions. The company is headquartered in Easton, Maryland, and its shares are listed on the NASDAQ.
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