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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.18% | 0.30% | 0.28% | 0.65% | +69 bps | |
| Return on Equity | -0.45% | 1.92% | 3.15% | 2.82% | 6.66% | +710 bps | |
| Net Interest Margin | 3.16% | 3.37% | 3.48% | 3.53% | 3.46% | +30 bps | |
| Efficiency Ratio | 98.32% | 93.60% | 90.90% | 94.09% | 85.06% | -1,326 bps | |
| Non-Interest Burden | 3.10% | 3.14% | 3.13% | 3.31% | 2.88% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.39% | 1.79% | -2.98% | -1.04% | 1.40% | +278 bps | |
| Loan Growth (YoY) | 8.05% | 10.84% | 5.22% | 0.74% | -0.48% | -853 bps | |
| Deposit Growth (YoY) | -1.60% | -1.94% | -2.04% | -2.00% | 0.41% | +201 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.00% | 0.99% | 1.03% | 1.00% | 0.98% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 4.3x | 6.6x | 6.7x | 6.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 9.63% | 9.89% | 9.91% | 9.38% | +9 bps | |
| Total Risk-Based Capital | 9.29% | 9.63% | 9.89% | 9.91% | 9.38% | +9 bps | |
| Equity / Assets | 9.23% | 9.55% | 10.12% | 9.48% | 9.57% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.90% | 100.89% | 100.23% | 97.20% | 93.07% | -83 bps | |
| Liquid Assets / Assets | 4.63% | 1.94% | 1.26% | 7.25% | 6.34% | +171 bps | |
| CRE / Total Capital | n/a | 472% | 432% | 442% | n/a | n/a | |