Sharon Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 50.87 percentage points lower than in Q1 2026, at 620.83%. Within Pennsylvania, Sharon Bank is 61st of 109 on return on assets, 0.97% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Sharon Bank sits 0.29 points lower, at 0.97% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 9.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.38% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 620.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 10.47% |
| Net interest margin | 4.29% |
| Efficiency ratio | 77.26% |
| Yield on earning assets | 6.26% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.07% |
| Core deposits to total deposits | 91.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.13% |
| Securities to assets | 6.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.64% | -0.05% | 3.47% | 0.07% | 0.00% |
| Q4 2023 | 9.96% | 0.70% | 3.37% | 0.13% | 0.00% |
| Q1 2024 | 9.63% | -0.71% | 3.00% | 0.18% | 0.00% |
| Q2 2024 | 9.26% | -0.28% | 3.32% | 0.12% | 0.00% |
| Q3 2024 | 9.76% | -0.28% | 3.30% | 0.11% | 0.00% |
| Q4 2024 | 9.70% | -0.20% | 3.29% | 0.07% | 0.00% |
| Q1 2025 | 9.25% | -0.82% | 3.41% | 0.12% | 0.00% |
| Q2 2025 | 9.29% | 0.72% | 3.93% | 0.00% | 0.00% |
| Q3 2025 | 9.63% | 0.63% | 4.31% | 0.23% | 0.00% |
| Q4 2025 | 9.89% | 0.66% | 4.42% | 0.15% | 0.00% |
| Q1 2026 | 9.91% | 0.28% | 4.21% | 0.15% | 0.00% |
| Q2 2026 | 9.38% | 0.97% | 4.29% | 0.16% | 0.00% |
Sharon Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sharon Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)