Sharon Bank
BankRegReports is independent of Sharon Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Sharon Bank is an FDIC-insured savings bank headquartered in Springfield, PA, established in 1873 (FDIC certificate 28793), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $172.6M, up 1.4% from Q2 2025, the 96th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.38% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28793
- Headquarters
- Springfield, PA
- Established
- 1873
- Total assets, Q2 2026
- $172.6M
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 9.38%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 231372141
- Holding company
- SHARON BANCORP INC
- Asset rank in state
- 96th of 109 in Pennsylvania
Sharon Bank leans heavily on commercial real estate. It reported $173 million in assets at June 30, 2026, up 1.4% from a year earlier. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Delinquency has appeared in its $27 million non-owner-occupied commercial real estate book: 7.14% of those loans are past due or on nonaccrual, against almost none a year earlier. Delinquency has appeared in its $27 million multifamily book: 3.79% of those loans are past due or on nonaccrual, against almost none a year earlier. Where it has less room is capital: it funds 9.38% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Sharon Bank reported a return on assets of 0.97%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 5.38%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Sharon Bank is the 96th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.1% to $172.6M, loans fell 0.5% and deposits rose 3.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.6% of total loans, ahead of multifamily loans at 20.0%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in PA; its Springfield 2 offices book 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Sharon Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 900 W Sproul Rd, Springfield, PA 19064
- County
- Delaware
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1873
- Former names
- Sharon Savings Bank (2008-2018)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $146.9M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $177.4M
- Average total loans
- $124.4M
- Average interest-bearing deposits
- $138.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28793
- Fed RSSD
- 164377
- Website
- www.sharonbank.com →
- Parent Holding Company
- SHARON BANCORP INC (RSSD 3845677)
- Ultimate Parent
- SHARON MUTUAL HOLDING COMPANY (RSSD 3845668)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Sharon Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Sharon Bank's total assets ranged from $159.7M (Q4 2025) to $173.2M (Q1 2024), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$172.6M total assets against $170.2M; $156.1M total liabilities against $154.5M.
$135.4M net loans and leases against $136.0M; $146.9M total deposits against $146.4M.
$11.7M securities against $11.9M; $11.9M cash and balances due against $8.4M.
$2.4M total interest income against $2.2M; $747K total interest expense against $717K.
$1.6M net interest income against $1.5M.
$272K total noninterest income against $129K; $1.5M total noninterest expense against $1.3M.
-$32K provision for credit losses against $14K.
$428K net income against $310K.
0.97% return on assets against 0.72%; 4.29% net interest margin against 3.93%.
9.38% tier 1 leverage ratio against 9.29%.
Inside the full Sharon Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Sharon Bank rankings
Its closest position to the top of a national ranking is 1,244 of 3,640, for Texas Ratio; its furthest is 3,139 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.82% (Q1 2025) to 0.97% (Q2 2026) and its net interest margin ran from 3.29% (Q4 2024) to 4.42% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.38% | 0.97% | 0.16% | 5.38% | 4.29% |
| Q1 2026 | 9.91% | 0.28% | 0.15% | 5.40% | 4.21% |
| Q4 2025 | 9.89% | 0.66% | 0.15% | 5.43% | 4.42% |
| Q3 2025 | 9.63% | 0.63% | 0.23% | 6.16% | 4.31% |
| Q2 2025 | 9.29% | 0.72% | 0.00% | 4.35% | 3.93% |
| Q1 2025 | 9.25% | -0.82% | 0.12% | 5.39% | 3.41% |
| Q4 2024 | 9.70% | -0.20% | 0.07% | 4.90% | 3.29% |
| Q3 2024 | 9.76% | -0.28% | 0.11% | 5.21% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Springfield Branch-New | Springfield , PA | 19064 | $55.1M |
| Darby Branch Office | Darby , PA | 19023 | $38.9M |
| Sharon Bank (main office) | Springfield , PA | 19064 | $22.4M |
| Valley View Shopping Center Branch | Aston , PA | 19014 | $18.1M |
| 19th and South Streets Branch | Philadelphia , PA | 19146 | $12.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2008 | Structure Change | Acquired Morton Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 1985 | Structure Change | Acquired Protective Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1981 | Structure Change | Acquired Saint Charles Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 119 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 47 applications, 41 loans originated, $20.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $150K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Sharon Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Sharon Bank
What are Sharon Bank's total assets?
As of the Q2 2026 filing, Sharon Bank reported total assets of $172.6 million in its FFIEC call report.
Where is Sharon Bank headquartered?
It is headquartered in Springfield, PA, United States.
When was Sharon Bank founded?
It was established in 1873, per the FDIC institution directory.
Is Sharon Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28793). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sharon Bank?
Sharon Bank's primary federal regulator is the FDIC.
How many branches does Sharon Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sharon Bank's Texas Ratio?
Its Texas Ratio is 5.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Sharon Bank previously called?
The charter now named Sharon Bank has also operated as Sharon Savings Bank (2008-2018), per FDIC structure-change records.
Go deeper on Sharon Bank.
Get an email when Sharon Bank files its next call report, and benchmark it against any peer you choose.
Unlock Sharon Bank, freeFree account