BlastPoint's Banking Scorecard
Sharon Bank
Springfield, PA
5 branches across PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
- Deposits +0.4% year over year ($146.9M on the books).
- Delinquency rate 0.16%.
- Return on assets 0.65%.
- Efficiency ratio 85.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sharon Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.4% in tier
- - Capital Thin: Bottom 12.7% in tier
- - Credit Quality Pressure: Bottom 24.2% in tier
- - Flatlined Growth: Bottom 26.1% in tier
- - Efficiency Ratio 20.58% above tier average
- - Non-Interest-Bearing Deposit Share 13.58% below tier average
- - ROA 0.68% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.6M
+1.4% YoY
+1.1% QoQ
|
-$213.9M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$135.4M
-0.5% YoY
-0.5% QoQ
|
-$122.9M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$146.9M
+0.4% YoY
+3.9% QoQ
|
-$179.8M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
0.65%
+134.2% QoQ
|
-0.68% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
4.02%
+14.5% YoY
+3.9% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
85.06%
-13.5% YoY
-9.6% QoQ
|
+20.58% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.8% in tier |
| Delinquency Rate ? |
0.16%
+5.9% QoQ
|
-0.76% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
92.16%
-0.9% YoY
-4.2% QoQ
|
+14.21% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
8.45%
-7.8% YoY
-12.3% QoQ
|
-13.58% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.8% in tier |
| Nonperforming Asset Ratio ? |
0.56%
+27.3% YoY
+0.1% QoQ
|
-0.11% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
9.38%
+1.0% YoY
-5.4% QoQ
|
-6.53% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.8% in tier |
| Non-Interest Income / Assets ? |
0.22%
+38.2% YoY
+255.1% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
56% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
8.4%
-0.7pp YoY -1.2pp QoQ |
-13.7pp | 22.1% | 18.7% | 22.2% | 7% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.1%
-0.1pp YoY 0.0pp QoQ |
-9.4pp | 11.6% | 8.6% | 12.5% | 7% |
| CRE |
53.4%
-0.7pp YoY +0.5pp QoQ |
+13.9pp | 39.5% | 37.9% | 41.4% | 75% |
| 1-4 Family |
44.1%
+0.7pp YoY 0.0pp QoQ |
+11.4pp | 32.6% | 47.8% | 31.3% | 76% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.8% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
9.4%
+0.1pp YoY -0.5pp QoQ |
-2.8pp | 12.2% | 13.2% | 12.6% | 19% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
-2 (-5.7%) YoY -2 (-5.7%) QoQ |
-26 | 58 | 299 | 482 | 31% |
| Assets per Employee ($) |
$5.2M
+7.5% YoY +7.2% QoQ |
-$2.3M | $7.5M | $9.2M | $8.8M | 18% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 20 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp QoQ |
-0.8pp | 0.9% | 0.9% | 1.0% | 26% |
| Allowance Coverage |
6.21x
-7.6% QoQ |
-17.94x | 24.15x | 3.63x | 20.23x | 74% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.7%
+7.1pp YoY +3.8pp QoQ |
-5.5pp | 12.2% | 10.2% | 11.6% | 19% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 66% |
| Net Income ($, YTD) |
$542,000
+1648.6% YoY — QoQ |
-$2.0M | $2.6M | $18.2M | $40.4M | 12% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.