BlastPoint's Banking Scorecard
Sharon Bank
Springfield, PA
5 branches across PA
Sharon Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.1% in tier
- - Flatlined Growth: Bottom 0.6% in tier
- - Capital Thin: Bottom 6.5% in tier
- - Credit Quality Pressure: Bottom 10.9% in tier
- - Liquidity Strain: Bottom 21.3% in tier
- - Return on Assets 0.99% below tier average
- - Efficiency Ratio 28.81% above tier average
- - Non-Interest-Bearing Deposit Share 12.39% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$170.8M
-1.0% YoY
+6.9% QoQ
|
-$215.3M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$136.1M
+0.7% YoY
+2.5% QoQ
|
-$119.6M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$141.5M
-2.0% YoY
+5.7% QoQ
|
-$186.5M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
0.28%
+133.7% YoY
-7.6% QoQ
|
-0.99% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.3% in tier |
| Net Interest Margin ? |
3.87%
+19.2% YoY
+2.5% QoQ
|
-0.06% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
94.09%
-21.4% YoY
+3.5% QoQ
|
+28.81% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate ? |
0.15%
+28.0% YoY
-3.8% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
96.23%
+2.8% YoY
-3.0% QoQ
|
+19.59% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.63%
+7.7% YoY
-3.5% QoQ
|
-12.39% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.0% in tier |
| Nonperforming Asset Ratio ? |
0.56%
+6.2% YoY
-6.8% QoQ
|
-0.08% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
9.91%
+7.2% YoY
+0.2% QoQ
|
-5.92% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.8% in tier |
| Non-Interest Income / Assets ? |
0.06%
-24.2% YoY
-82.6% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
27% |
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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 (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.