Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Springfield, PA · FDIC certificate #28793
SHARON BANK is an FDIC-insured institution based in Springfield, PA (FDIC certificate #28793). In its Q3 2026 Call Report it reported total assets of $165M, total deposits of $138M and net loans of $137M. Its primary federal regulator is FDIC.
Plain-language readout
SHARON BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $173M in Q2 2026 and were lowest at $165M in Q3 2026.
Total deposits were highest at $147M in Q2 2026 and lowest at $138M in Q3 2026.
Over the whole period total assets fell 3.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $165M | $138M | $137M | 0.56% | 5.69% | 3.98% |
| Q2 2026 | $173M | $147M | $135M | 0.65% | 6.66% | 4.02% |
| Q1 2026 | $171M | $141M | $136M | 0.28% | 2.82% | 3.87% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $11.9M | $13.3M | -$1.4M | -10.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $11.7M | $7.3M | +$4.4M | +60.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $135.4M | $136.1M | -$720K | -0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.5M | $3.6M | -$92K | -2.6% |
| Other real estate owned | $744K | $744K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $9.4M | $9.7M | -$380K | -3.9% |
| Total assets | $172.6M | $170.8M | +$1.9M | +1.1% |
| Liabilities | ||||
| Total deposits | $146.9M | $141.5M | +$5.5M | +3.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $6.0M | $9.5M | -$3.5M | -36.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.6M | -$419K | -11.7% |
| Total liabilities | $156.1M | $154.6M | +$1.5M | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $16.6M | $16.3M | +$347K | +2.1% |
| Accumulated other comprehensive income | -$122K | -$103K | -$19K | -18.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.5M | $16.2M | +$328K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $960K | $949K | +$11K | +1.2% |
| Adjusted nonperforming assets | $960K | $949K | +$11K | +1.2% |
| Tangible equity plus allowance | $17.9M | $17.6M | +$292K | +1.7% |
| Texas ratio (gross) | 5.38% | 5.40% | -0.03 pts | See points |
| Texas ratio (adjusted) | 5.38% | 5.40% | -0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.38% | 5.40% | -0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.38% | 9.91% | -0.53 pts | See points |
| Construction and land loans to total capital | 30.24% | 32.00% | -1.76 pts | See points |
| Commercial real estate to total capital | 333.77% | 343.48% | -9.71 pts | See points |
| Dividend payout, year to date | 31.00% | 76.32% | -45.32 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.93% | -0.80% | -0.12 pts | See points |
| Liquidity | ||||
| Core deposits | $135.1M | $129.7M | +$5.3M | +4.1% |
| Non-core funding | $17.9M | $21.3M | -$3.4M | -15.9% |
| Loans to core deposits | 101.26% | 106.01% | -4.75 pts | See points |
| Loans to deposits | 93.07% | 97.20% | -4.13 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 99.56% | 99.19% | +0.37 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $17.9M | $21.3M | -$3.4M | -15.9% |
| Earnings | ||||
| Earnings before provision, year to date | $515K | $92K | +$423K | +459.8% |
| Earnings before provision, single quarter | $423K | $92K | +$331K | +359.8% |
| Provision for credit losses, year to date | -$54K | -$22K | -$32K | -145.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.74% | 6.51% | +0.22 pts | See points |
| Yield on interest-bearing balances due from banks | 3.61% | 3.48% | +0.13 pts | See points |
| Total interest income to average assets | 5.33% | 5.31% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.05% | 0.07% | -0.02 pts | See points |
| Cost of savings and money market deposits | 0.70% | 0.72% | -0.02 pts | See points |
| Cost of time deposits | 3.77% | 3.65% | +0.12 pts | See points |
| Total interest expense to average assets | 1.68% | 1.77% | -0.09 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $165M | $138M | $137M | 0.56% | 5.69% | 3.98% |
| 2026-06-30 | $173M | $147M | $135M | 0.65% | 6.66% | 4.02% |
| 2026-03-31 | $171M | $141M | $136M | 0.28% | 2.82% | 3.87% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $146.4M | 0.03% | 126 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.