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Sharon Bank

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

$172.6MAssets
$136.8MLoans
$146.9MDeposits
$16.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 16 of 27).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 29 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

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

Non-interest income vs. expense

$0.8M$5.9MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 19% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 85.06%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.63%0.93%2.39%Beats 23%24 / 31
Return on Equity6.56%4.15%7.07%14.29%Beats 45%17 / 31
Net Interest Margin3.46%2.72%3.26%3.84%Beats 61%12 / 31
Efficiency Ratio85.06%49.04%63.83%80.34%Beats 19%26 / 31
Asset Quality
Nonperforming Loans / Loans0.16%0.00%0.24%1.22%Beats 56%13 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio9.38%13.01%19.43%42.39%Beats 6%29 / 31
Total Risk-Based Capital Ratio9.38%13.95%20.55%43.38%Beats 6%29 / 31
Equity / Assets9.57%9.21%12.36%21.28%Beats 29%22 / 31
Liquidity & Funding
Loans / Deposits93.07%52.41%83.15%99.86%65th pctl11 / 31
Loans / Assets79.23%37.80%67.87%79.23%74th pctl8 / 31
Brokered Deposits / Depositsn/aNot reported for this institution