SHARON BANK

SPRINGFIELD, PA | Small | Est. Jan. 1, 1873, midnight | FDIC #28793 | RSSD #164377 | FDIC
Latest Report: 2025-12-31

SHARON BANK is asn small FDIC-insured commercial bank headquartered in SPRINGFIELD, PA, established in Jan. 1, 1873, midnight. As of 2025-12-31, the bank reported total assets of $160M and total deposits of $134M. Profitability stands at 0.67% ROA and 6.78% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 10.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 5.43%. FDIC Certificate #28793.

Assets

$160M

Deposits

$134M

Loans

$134M

Equity

$16M

Profitability

Return on Assets (ROA) 0.67%
Return on Equity (ROE) 6.78%
Net Interest Margin (NIM) 4.00%
Yield on Assets 5.93%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.00%
Texas Ratio 5.43%
NPA Ratio 0.60%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 10.12%
Tier 1 Capital 10.12%
Total Capital Ratio 10.62%
Leverage Ratio 9.89%
Loan-to-Deposit 100.23%

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