TellerScore

Headquartered in Springfield, Pennsylvania, Sharon Bank is a si with $172.6M in total assets and $146.9M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1873.

Sharon Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 71st. Loan quality contributes the most (95/100, 0.16%); capital cushion contributes the least (44/100, 9.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.38%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 92.2% · 11.6% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (61 → 65), mostly because the earnings component improved by 28 points.

TellerScore
566165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202459
Q4 202459
Q1 202556
Q2 202561
Q3 202560
Q4 202563
Q1 202663
Q2 202665
Tier 1 leverage ratio
5.00%7.46%9.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.26%
Q3 20249.76%
Q4 20249.70%
Q1 20259.25%
Q2 20259.29%
Q3 20259.63%
Q4 20259.89%
Q1 20269.91%
Q2 20269.38%
Noncurrent loans
0.00%0.12%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.11%
Q4 20240.07%
Q1 20250.12%
Q2 20250.00%
Q3 20250.23%
Q4 20250.15%
Q1 20260.15%
Q2 20260.16%
Return on assets
-0.82%-0.09%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.50%
Q3 2024-0.43%
Q4 2024-0.37%
Q1 2025-0.82%
Q2 2025-0.04%
Q3 20250.18%
Q4 20250.30%
Q1 20260.28%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$172.6M9.38%0.16%0.65%92.2%
Q1 202663$170.8M9.91%0.15%0.28%96.2%
Q4 202563$159.7M9.89%0.15%0.30%99.2%
Q3 202560$166.9M9.63%0.23%0.18%99.9%
Q2 202561$170.2M9.29%0.00%-0.04%93.0%
Q1 202556$172.5M9.25%0.12%-0.82%93.6%
Q4 202459$164.6M9.70%0.07%-0.37%92.4%
Q3 202459$164.0M9.76%0.11%-0.43%88.4%
Q2 202457$172.6M9.26%0.12%-0.50%84.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.38%
19th
Total risk-based capital0.00%
24th
Problem loans0.16%
68th
Net charge-offs0.00%
68th
Return on assets0.65%
17th
Net interest margin4.02%
54th
Efficiency ratio85.1%
9th
Loans to deposits92.2%
22nd
Uninsured deposits11.6%
91st
Loan-loss reserves0.98%
24th
Texas ratio5.4%
33rd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
UNB BankBank Mount Carmel, PA67 out of 100, Moderate$167.3M9.3%0.12%vs
Westmoreland Federal Savings and Loan AssociationBank Latrobe, PA72 out of 100, Strong$166.5M26.9%1.37%vs
Slovenian Savings and Loan Association of Franklin-ConemaughBank Conemaugh, PA62 out of 100, Moderate$180.8M9.9%0.63%vs
The Haverford Trust CompanyBank Radnor, PA90 out of 100, Very strong$191.0M22.5%0.00%vs
SEI Private Trust CompanyBank Oaks, PA93 out of 100, Very strong$208.5M80.4%0.00%vs
Apollo Trust CompanyBank Apollo, PA71 out of 100, Strong$209.4M11.0%0.29%vs

Deposit insurance

Is my money safe at Sharon Bank?

Yes. Sharon Bank is an FDIC-insured institution (FDIC certificate #28793). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.6% of deposits ($17.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Sharon Bank lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sharon Bank reported 47 home-loan applications under HMDA (LEI 549300B7GCPQ437Y5E78): 41 originated ($20,225,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Sharon Bank
Former names
Sharon Savings Bank; Sharon Savings and Loan Association
Type
SI
FDIC certificate #
28793
RSSD ID
164377
Primary regulator
FDIC
Holding company
Sharon Mutual Holding Co
Established
January 1, 1873
Headquarters
900 W Sproul Rd, Springfield, PA 19064
Employees
33

Quick answers

Sharon Bank: common questions

Is Sharon Bank FDIC insured?

Yes. Sharon Bank is an FDIC-insured institution (FDIC certificate #28793). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sharon Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Sharon Bank ever failed?

There is no failure record for FDIC certificate #28793 in the FDIC failed bank list.

How many branches does Sharon Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Springfield

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE94 out of 100, Very strong$57.2M97.8%0.00%vs