$171M
−1.0%y/y
Percentile by value42nd percentileby value
FDIC
ASSETSB
Sharon Bank
Springfield, PennsylvaniaFDIC Cert #28793
STATEEstablished 18735 branches
Holding company: SHARON MUTUAL HOLDING CORegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportSharon Bank reported $171M in total assets. Deposits declined 2.00% over the prior year.
Return on assets was 0.28%, compared with an asset-peer median of 1.18%. The leverage ratio was 9.91%.
- Why is Efficiency Ratio above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$141M
−2.0%y/y
Percentile by value40th percentileby value
FDIC
DEP$136M
+0.7%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET0.28%
+109 bpsy/y
Peer standing9th percentile
FDIC
NETINC + ROA94.09%
−2,568 bpsy/y
Peer standing6th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.91%
+67 bpsy/y
Peer standing29th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $194M | $165M |
| Q3 2021 | $188M | $161M |
| Q4 2021 | $184M | $158M |
| Q1 2022 | $186M | $160M |
| Q2 2022 | $174M | $151M |
| Q3 2022 | $164M | $142M |
| Q4 2022 | $163M | $131M |
| Q1 2023 | $173M | $134M |
| Q2 2023 | $171M | $134M |
| Q3 2023 | $171M | $137M |
| Q4 2023 | $166M | $136M |
| Q1 2024 | $173M | $148M |
| Q2 2024 | $173M | $149M |
| Q3 2024 | $164M | $141M |
| Q4 2024 | $165M | $137M |
| Q1 2025 | $173M | $144M |
| Q2 2025 | $170M | $146M |
| Q3 2025 | $167M | $138M |
| Q4 2025 | $160M | $134M |
| Q1 2026 | $171M | $141M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $11.3M |
| Investor CRE | $28M |
| Multifamily | $27.1M |
| Construction | $5.65M |
| 1–4 family | $60M |
| C&I | $2.97M |
| Agriculture | $0 |
| Other | $2.47M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.28%9th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE2.82%10th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY3.87%49th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR94.09%6th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−2.00%14th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+0.71%26th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.15%66th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ9.91%29th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.28%49th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.28%14th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.14%Median 0.89%90th 1.69%Observations 115
ROE
FDIC
NETINC + ROE2.82%16th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.28%Median 9.46%90th 16.02%Observations 115
NIM
FDIC
NIM + NIMY3.87%77th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.31%Median 3.36%90th 4.14%Observations 115
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR94.09%9th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.42%Median 66.79%90th 93.30%Observations 115
Deposits YoY
FDIC
DEP−2.00%5th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.48%Median +3.91%90th +15.17%Observations 112
Loans YoY
FDIC
LNLSNET+0.71%17th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.19%Median +5.08%90th +16.58%Observations 111
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.15%78th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.60%90th 1.76%Observations 111
Leverage
FDIC
RBC1AAJ9.91%41st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.32%Median 10.34%90th 21.27%Observations 115
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.28%68th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.82%Median 2.50%90th 3.71%Observations 112
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 17%Median 176%90th 337%Observations 80
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.28%24th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.08%Median 0.67%90th 9.99%Observations 18
ROE
FDIC
NETINC + ROE2.82%29th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.27%Median 6.90%90th 27.80%Observations 18
NIM
FDIC
NIM + NIMY3.87%71st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.13%Median 3.14%90th 4.24%Observations 18
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR94.09%12th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 56.63%Median 81.61%90th 95.02%Observations 18
Deposits YoY
FDIC
DEP−2.00%7th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.00%Median +3.34%90th +6.25%Observations 16
Loans YoY
FDIC
LNLSNET+0.71%29th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.56%Median +2.94%90th +9.45%Observations 15
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.15%64th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.32%90th 1.25%Observations 15
Leverage
FDIC
RBC1AAJ9.91%24th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.23%Median 14.97%90th 45.30%Observations 18
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.28%60th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.82%Median 2.32%90th 3.41%Observations 16
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 7%90th 204%Observations 7
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
5 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data