- SHORE BANCSHARES INC reported **net income of $14.3 million** and **diluted earnings per share of $0.43** for Q3 2025.  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:4]** **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:9]** 
- As of Q3 2025, the company's **total assets were $6.278 billion**, with **total loans at $4.88 billion** and **total deposits reaching $5.53 billion**.  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:3]** **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:9]**  Total loans increased **1.1%** and total deposits increased **4.0%** compared to Q2 2025.  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:4]** 
- Key profitability metrics for Q3 2025 included a **Return on Average Tangible Common Equity (ROATCE) of 13.27%** (non-GAAP)  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:3]** **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:11]** , a **Return on Average Assets (ROAA) of 1.05%** (non-GAAP)  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:3]** **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:11]** , and a **net interest margin of 3.42%**.  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:4]** **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:9]**  The non-GAAP efficiency ratio was **57.30%**.  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:4]** **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:9]** 
- Credit quality remained strong with **nonperforming assets (NPAs) at 0.45% of total assets**  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:3]** **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:9]**  and a **Common Equity Tier 1 risk-based capital ratio of 10.21%**  **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:4]** **[1035092_0001035092-25-000019_shbi-20250930xip11x3fina.htm:8]**  for Q3 2025.

SHORE BANCSHARES (SHBI)