Springfield, PA · Cert 28793 · Sharon Mutual Holding Co.
SI · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
78
Profitability
43
Liquidity
61
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Springfield, PA · Cert 28793 · Sharon Mutual Holding Co.
SI · FDIC · 5 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #59 of 88 inst. · $0.1B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -0.37% | -0.82% | -0.04% | 0.18% | 0.30% | 0.28% | 0.65% | +69 bps | |
| Return on Equity | -4.58% | -3.97% | -8.86% | -0.45% | 1.92% | 3.15% | 2.82% | 6.66% | +710 bps | |
| Net Interest Margin | 3.00% | 2.99% | 2.94% | 3.16% | 3.37% | 3.48% | 3.53% | 3.46% | +30 bps | |
| Efficiency Ratio | 111.01% | 108.04% | 119.77% | 98.32% | 93.60% | 90.90% | 94.09% | 85.06% | -1,326 bps | |
| Non-Interest Burden | 3.36% | 3.26% | 3.59% | 3.10% | 3.14% | 3.13% | 3.31% | 2.88% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.17% | -1.06% | -0.35% | -1.39% | 1.79% | -2.98% | -1.04% | 1.40% | +278 bps | |
| Loan Growth (YoY) | 2.65% | 4.39% | 10.75% | 8.05% | 10.84% | 5.22% | 0.74% | -0.48% | -853 bps | |
| Deposit Growth (YoY) | 2.49% | 0.38% | -2.17% | -1.60% | -1.94% | -2.04% | -2.00% | 0.41% | +201 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.07% | 0.12% | 0.00% | 0.23% | 0.15% | 0.15% | 0.16% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 0.98% | 0.97% | 1.00% | 0.99% | 1.03% | 1.00% | 0.98% | -2 bps | |
| Allowance Coverage of NPLs | 8.6x | 14.3x | 8.4x | n/a | 4.3x | 6.6x | 6.7x | 6.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.76% | 9.70% | 9.25% | 9.29% | 9.63% | 9.89% | 9.91% | 9.38% | +9 bps | |
| Total Risk-Based Capital | 9.76% | 9.70% | 9.25% | 9.29% | 9.63% | 9.89% | 9.91% | 9.38% | +9 bps | |
| Equity / Assets | 9.64% | 9.55% | 8.94% | 9.23% | 9.55% | 10.12% | 9.48% | 9.57% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.26% | 93.31% | 94.56% | 93.90% | 100.89% | 100.23% | 97.20% | 93.07% | -83 bps | |
| Liquid Assets / Assets | 2.14% | 1.23% | 4.62% | 4.63% | 1.94% | 1.26% | 7.25% | 6.34% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 472% | 432% | 442% | n/a | n/a | |
Springfield, PA · Cert 28793 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · Sharon Mutual Holding Co.
SI · FDIC · 5 branches
Q2 2026
Return on Assets
0.63%
Rank 24 of 31
Net Interest Margin
3.46%
Rank 12 of 31
Efficiency Ratio
85.06%
Rank 26 of 31
Equity / Assets
9.57%
Rank 22 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.63% | 0.93% | 2.39% | Beats 23% | 24 / 31 | ||
| Return on Equity | 6.56% | 4.15% | 7.07% | 14.29% | Beats 45% | 17 / 31 | ||
| Net Interest Margin | 3.46% | 2.72% | 3.26% | 3.84% | Beats 61% | 12 / 31 | ||
| Efficiency Ratio | 85.06% | 49.04% | 63.83% | 80.34% | Beats 19% | 26 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.00% | 0.24% | 1.22% | Beats 56% | 13 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.01% | Beats 100% | 16 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.38% | 13.01% | 19.43% | 42.39% | Beats 6% | 29 / 31 | ||
| Total Risk-Based Capital Ratio | 9.38% | 13.95% | 20.55% | 43.38% | Beats 6% | 29 / 31 | ||
| Equity / Assets | 9.57% | 9.21% | 12.36% | 21.28% | Beats 29% | 22 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.07% | 52.41% | 83.15% | 99.86% | 65th pctl | 11 / 31 | ||
| Loans / Assets | 79.23% | 37.80% | 67.87% | 79.23% | 74th pctl | 8 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||