BlastPoint's Banking Scorecard
Sharon Bank
Micro
Specialty: Commercial
PA
FDIC cert 28793
Designations: ✓ Community bank
Springfield, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Sharon Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.67% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.18% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$159.7M
-3.0% YoY
-4.3% QoQ
|
-$57.8M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$132.8M
+5.2% YoY
-3.5% QoQ
|
-$6.4M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$133.9M
-2.0% YoY
-2.9% QoQ
|
-$49.8M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.30%
+179.9% YoY
+67.0% QoQ
|
-0.79% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.77%
+16.9% YoY
+2.8% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
90.90%
-15.9% YoY
-2.9% QoQ
|
+23.18% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.16%
+127.3% YoY
-33.0% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
99.20%
+7.4% YoY
-0.7% QoQ
|
+24.67% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.98%
+22.9% YoY
+13.6% QoQ
|
-12.41% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.60%
+18.1% YoY
-6.7% QoQ
|
+0.14% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.35%
+8.5% YoY
+42.0% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
99.20%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.90%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.20% · Tier avg: 74.53%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
54
54th pctile
Total Loans
Current: $132.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
41
41th pctile
Total Assets
Current: $159.7M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $133.9M · Tier avg: $183.7M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.98% · Tier avg: 22.39%
9
9th pctile
Efficiency Ratio
Current: 90.90% · Tier avg: 67.73%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 90.90% · Tier avg: 67.73%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.98% · Tier avg: 22.39%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
40
40th pctile
Total Deposits
Current: $133.9M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $159.7M · Tier avg: $217.5M
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Loans
Current: $132.8M · Tier avg: $139.2M
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.20% · Tier avg: 74.53%