Financial insights of SHBI

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$17,088K
EPS
$0.51
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest on loans	70,814	69,667*	70,930	69,695
Interest and dividends on taxable investment securities	5,114	4,828*	5,036	5,331
Interest and dividends on tax-exempt investment securities	6	6*	6	6
Interest on federal funds sold	-	0*	-	-
Interest on deposits with other banks	2,458	4,818*	1,215	1,588
Total interest income	78,392	79,318*	77,187	76,620
Interest on deposits	24,264	28,439*	26,474	27,369
Interest on short-term borrowings	0	222*	640	605
Interest on long-term borrowings	1,573	2,141*	1,418	1,394
Total interest expense	25,837	30,801*	28,532	29,368
Net interest income	52,555	48,517*	48,655	47,252
Provision for credit losses	85	1,595*	2,992	1,528
Net interest income after provision for credit losses	52,470	46,922*	45,663	45,724
Service charges on deposit accounts	1,596	1,618*	1,599	1,519
Gain on sale of loans held for sale	-	-	-	1,325
Trust and investment fee income	1,137	945*	898	942
Mortgage banking revenue	1,450	3,526*	1,278	1,054
Interchange credits	1,698	1,616*	1,858	1,788
Bank-owned life insurance income	-	978*	-	-
Bargain purchase gain	-	0*	-	-
Other noninterest income	1,363	-1,522*	2,068	2,690
Total noninterest income	7,244	7,160*	7,701	9,318
Salaries and employee benefits	19,639	17,015*	18,642	17,742
Occupancy expense	2,567	2,560*	2,406	2,472
Directors fees	-	-	318	219
Furniture and equipment expense	855	802*	892	796
Software and data processing	5,140	4,901*	5,155	4,819
Amortization of other intangible assets	1,980	2,123*	2,039	2,272
Legal and professional fees	1,605	1,743*	989	1,225
Fdic insurance premium expense	995	1,028*	794	1,023
Marketing and advertising	311	330*	-	-
Fraud losses	111	268*	45	83
Merger-related expenses	-	0*	-	-
Other noninterest expense	3,853	4,083*	3,099	3,759
Total noninterest expense	37,056	34,852*	34,379	34,410
Income before income taxes	22,658	19,230*	18,985	20,632
Income tax expense	5,570	4,506*	4,637	5,125
Net income	17,088	14,724	14,348	15,507

Basic EPS	0.51	0.441	0.43	0.46
Diluted EPS	0.51	0.441	0.43	0.46
Basic Average Shares	33,428,444	33,384,895	33,419,291	33,374,265
Diluted Average Shares	33,447,767	33,397,590	33,435,862	33,388,013

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$17,088K
EPS
$0.51
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$17,088K
EPS
$0.51
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$17,088KEPS$0.51Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$17,088KEPS$0.51Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$17,088K
EPS
$0.51
Unit: Thousand (K) dollars

Net Income
$17,088K
EPS
$0.51
Unit: Thousand (K) dollars