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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.20% | -0.82% | 0.72% | 0.62% | 0.67% | 0.28% | 1.00% | +27 bps | |
| Return on Equity | -2.92% | -2.13% | -8.86% | 7.96% | 6.60% | 6.78% | 2.82% | 10.47% | +250 bps | |
| Net Interest Margin | 2.97% | 2.97% | 2.94% | 3.41% | 3.63% | 3.65% | 3.53% | 3.65% | +24 bps | |
| Efficiency Ratio | 108.93% | 99.43% | 119.77% | 79.64% | 85.13% | 83.33% | 94.09% | 77.62% | -202 bps | |
| Non-Interest Burden | 3.27% | 2.95% | 3.59% | 2.66% | 3.04% | 2.98% | 3.31% | 2.69% | +4 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 | |