Sharon Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sharon Bank of Springfield, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.97% | 1.34% | -0.37% | 31st below |
| ROAE | 10.47% | 13.31% | -2.84% | 39th below |
| Net Interest Margin | 4.29% | 3.93% | +0.36% | 70th above |
| Efficiency Ratio | 77.26% | 61.14% | +16.12% | 17th bottom |
| PPNR / Avg Assets | 0.95% | 1.68% | -0.73% | 19th bottom |
| Yield on Earning Assets | 6.26% | 5.67% | +0.59% | 79th top |
| Cost of Funds | 1.88% | 1.88% | +0.00% | 45th below |
| Net Interest Spread | 4.11% | 3.32% | +0.79% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.70% | -0.14% | 35th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 620.83% | 1538.84% | -918.01% | 75th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.38% | 7.33% | -1.95% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.38% | 12.14% | -2.76% | 19th bottom |
| Equity / Assets | 9.57% | 11.37% | -1.80% | 37th below |
| TCE / Tangible Assets | 9.57% | 11.09% | -1.52% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.07% | 80.63% | +12.44% | 22nd bottom |
| Core Deposit Ratio | 91.91% | 86.86% | +5.05% | 67th above |
| Wholesale Funding Ratio | 3.48% | 5.03% | -1.55% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.40% | 6.85% | -5.45% | 28th below |
| Loan Growth (Y/Y) | -0.48% | 7.90% | -8.38% | 21st bottom |
| Deposit Growth (Y/Y) | 0.41% | 6.29% | -5.88% | 25th below |
See Sharon Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sharon Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sharon Bank profile, how to read a UBPR, or how this data updates.