Sharon Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.38 percentage points lower than in Q1 2026, at 348.32%. Sharon Bank ranks 36th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 93.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Sharon Bank sits 12.23 points higher, at 93.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.8M |
| Net loans and leases | $135.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.23% |
| Loan-to-deposit ratio | 93.07% |
| Net loans to equity capital | 8.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.86% |
| Multifamily (5+ residential) | 20.04% |
| Commercial and industrial | 2.11% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 348.32% |
| Construction concentration (Tier 1 capital + allowance) | 30.24% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.76% |
| Interest income on loans | $2.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $122.2M | $137.1M | 27.31% | 3.28% | 0.15% |
| Q4 2023 | $122.2M | $136.2M | 28.31% | 3.16% | 0.18% |
| Q1 2024 | $123.3M | $147.6M | 28.11% | 3.01% | 0.17% |
| Q2 2024 | $127.2M | $148.7M | 30.69% | 2.77% | 0.15% |
| Q3 2024 | $125.5M | $140.6M | 30.70% | 2.66% | 0.14% |
| Q4 2024 | $127.5M | $136.7M | 30.75% | 2.48% | 0.14% |
| Q1 2025 | $136.5M | $144.4M | 29.85% | 2.30% | 0.12% |
| Q2 2025 | $137.4M | $146.4M | 30.68% | 2.22% | 0.17% |
| Q3 2025 | $139.1M | $137.8M | 29.77% | 2.14% | 0.10% |
| Q4 2025 | $134.2M | $133.9M | 29.29% | 2.21% | 0.10% |
| Q1 2026 | $137.5M | $141.5M | 28.59% | 2.16% | 0.10% |
| Q2 2026 | $136.8M | $146.9M | 28.86% | 2.11% | 0.10% |
Sharon Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sharon Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sharon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28793) · FFIEC NIC profile (RSSD 164377)