HIGHBuilt-inLoan_portfolio
53.95%
commercial real estate loans
“10-K Item 1A: 'At December 31, 2025, our commercial real estate loan portfolio totaled $2.64 billion, or 53.95% of our total loan portfolio.'”
SHBI · Concentration risk · 10-K extracted
Shore Bancshares (SHBI) concentration risks
Updated
The most significant concentration Shore Bancshares discloses is commercial real estate loans at 53.95%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Shore Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inGeographic
Maryland, Delaware, and northern Virginia
“10-K Item 1A: 'Our banking operations are concentrated in eastern and southern Maryland, Delaware and northern Virginia.'”
MEDIUMBuilt-inLoan_portfolio
33.6%
one-to-four family residential real estate loans
“10-K Item 1A: 'At December 31, 2025, 33.60% of our total loan portfolio was secured by one-to-four family real estate, a significant majority of which is located in Maryland, Delaware and northern Virginia.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Shore Bancshares' concentration risk is anchored in real estate collateral and a specific regional footprint. Commercial real estate loans total $2.64 billion, or 53.95% of the total loan portfolio, and the bank's operations are concentrated in eastern and southern Maryland, Delaware, and northern Virginia — both structural exposures tied to the bank's overall business design. Layered on top, one-to-four family residential real estate loans make up another 33.60% of the total loan portfolio, with the significant majority of that book also located in the same Maryland, Delaware, and northern Virginia footprint. Combined, commercial and residential real estate collateral account for the large majority of the loan book, and both categories share the same regional concentration — meaning a downturn in property values or economic conditions within this specific tri-state area would pressure both loan categories simultaneously rather than affecting an isolated segment. This layering of collateral type and geography onto the same regional base is the central feature of the bank's risk profile: there is limited structural diversification either by loan type or by geography to cushion a regional shock.
For the engine’s reasoning on SHBI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| SHBI● | Shore Bancshares, Inc. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.