# SHARON BANK
SPRINGFIELD, PA · FDIC certificate 28793 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $172.6M | |
| Deposits | $146.9M | |
| Loans and leases | $136.8M | |
| Total equity | $16.5M | |
| Loans / deposits | 92.16% (p83 of band) | 73.59% |
| Liquid assets / assets | 13.68% (p9 of band) | |
| Uninsured deposits / deposits | 11.59% (p19 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.48% (p66 of band) | |
| FHLB advances / assets | 3.48% | |
| Tier 1 leverage | 9.38% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -0.93% (p78 of band) | -6.57% |
| AOCI / equity | -0.07% (p66 of band) | |
| ROA (annualized) | 0.65% (p22 of band) | 1.17% |
| Net interest margin | 4.02% (p55 of band) | 3.93% |
| Efficiency ratio | 85.06% (p85 of band) | |
| Noncurrent loans | 0.16% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 620.83% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 32.92% (p66 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 33 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling, reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | NIM <2.5%, charge-offs p90 |  |
| 2013-06 | 3 |  | charge-offs p90 |
| 2013-09 | 5 | losing money, expense ratio p90 |  |
| 2013-12 | 4 |  | capital falling |
| 2014-03 | 6 | deposits shrinking, assets shrinking |  |
| 2014-06 | 7 | uninsured deposits leaving |  |
| 2014-09 | 6 |  | uninsured deposits leaving |
| 2014-12 | 6 |  |  |
| 2015-03 | 5 |  | NIM <2.5% |
| 2015-06 | 4 |  | losing money |
| 2015-09 | 3 |  | assets shrinking |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | assets shrinking |  |
| 2016-06 | 6 | capital falling, losing money |  |
| 2016-09 | 5 |  | capital falling |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | losing money |
| 2017-06 | 3 |  | deposits shrinking |
| 2017-09 | 2 |  | assets shrinking |
| 2017-12 | 6 | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 |  | reserve under noncurrent, uninsured deposits leaving |
| 2018-06 | 3 |  | losing money |
| 2018-09 | 2 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2018-12 | 3 | capital falling, reserve under noncurrent | uninsured deposits leaving |
| 2019-03 | 1 |  | expense ratio p90, reserve under noncurrent |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | expense ratio p90 | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 4 | NIM <2.5%, reserve under noncurrent |  |
| 2020-09 | 5 | capital falling |  |
| 2020-12 | 4 |  | capital falling |
| 2021-03 | 3 | charge-offs p90 | expense ratio p90, NIM <2.5% |
| 2021-06 | 5 | capital falling, expense ratio p90 |  |
| 2021-09 | 4 |  | reserve under noncurrent |
| 2021-12 | 2 |  | charge-offs p90, capital falling |
| 2022-03 | 3 | reserve under noncurrent |  |
| 2022-06 | 5 | deposits shrinking, assets shrinking |  |
| 2022-09 | 3 |  | losing money, reserve under noncurrent |
| 2022-12 | 2 |  | expense ratio p90 |
| 2023-03 | 3 | expense ratio p90 |  |
| 2023-06 | 4 | capital falling, uninsured deposits leaving | assets shrinking |
| 2023-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 | uninsured deposits leaving | expense ratio p90, capital falling |
| 2024-03 | 2 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 1 | liquid assets <10% | losing money, expense ratio p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | expense ratio p90, uninsured deposits leaving | liquid assets <10% |
| 2026-06 | 0 |  | expense ratio p90, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-11-29 [Sharon police investigate reported bank robbery on Black Friday - WKBN.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNb3hlVTIxU1ZIVFZFVGpvNUtWZFhjcmd4dzVGeDBPRExrZG1heDRVeHlsUEw3OW11MUtjZ2FQaW1KR1pxZFU0SUw0QmdqWVFnYXNOQW56UjhrM3JhcndqdVJTREYzTHdMTWplNXhnZi1qT1FscG5YMFpYNHd0Ty1zSTNocHVMZ2NYUzlHTGlxUzdzeTY0b19pYXBnZGVCcU5xRDZR0gGoAUFVX3lxTE5qems4UTFITGJPejZlS256anQtWGoyTHk3Ykw1aTBfM3c3MFNCaE1lbjBDMUtjRU5nakx6Q1h5OGxTcm1RblJERVJXbU1sc2syUzY1YnlFeDVJNld0STY0bWhCdzNGQUFrTmxDV3EtUDB4YUlHSWd2TEl6Sk9kOWlkWDRiOENhRkpoOWRTV0daSjVZaXBRVlZlYm8yT2lVdTdyaVNKUGR0OA?oc=5) · WKBN.com
- 2018-03-14 [Delco's Sharon Savings Bank plans to drop the `savings' - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVkczTHNUS2I0V0JKTE1iUWFvQXhVRHlBdFFlR0hidUpJeFBKTTFRLTM2emRCMmNxd0VhS0VzeU5ISFliU2VqY2I2NGpkQ1ZDU1pkeXdfNHR2M1JrSDl0cjNYNE5hQWpIWUwwSXJybnA5R2pjLVg2ZnBKeDlOMDZWQWFZWlJIUWk0Q0tDTUR5RkRuUDRaa0o1YmpfRTBqbDF6NnZnczJR?oc=5) · The Business Journals
- 2024-03-01 [Spotlight Theatre to present ‘The Great American Trailer Park Musical’ in March - Delco Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxPMDAzVFlsb1dmZVJOZjJXcTRVLUl6Wk92YlU3dm5xVnptRFBuMTN0dDRPNnFQTVFXNEx0VEVrdTl6bjNNWjc5Z1JnX1o1YTNtRTNURC1lMi1DRXlkNEtGYUxyNTE4d1JUeVdValFucnA1YTZYbzFCbGZNTnk5dnN1VmMyZHZPeXE3V1BpM05nc20yZWR4ZUx3ckdyNm5wMDVsTXNfUFQ3a1JjX3hJZnF4WlI3dWUwWlE?oc=5) · Delco Times
- 2024-01-07 [Arrest in an attempted bank robbery on Aug. 6 - The Lakeville Journal](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbF9FMUJDNFYzZVUwWE05U3RYTnBtdzkxcUozLTlEZlZEOTdtV01raU51YXRGLVczV00tcE92TGFNNWpSMTJvMU9Xakpmc3hQX01QNmRqTWlIalplQjc0WGxvRndCMDg3NURHdlFSWHctdWtlMTRVVVNMSVV2MTBnU1lfeWY3YXBZQnMyMVpzaG9TaXdYWFE?oc=5) · The Lakeville Journal
- 2019-03-27 [Bank moves headquarters out of Darby Borough after 146 years - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxPNVA2OC1rcENac3hYeDlJT1hUZkdZZlV6WEhZTElzNndDWGZlRzI3WWpOYXpnajE2cHI3Nmx2OUh1RklITnAwYzFadTRSMk1pSU5URUtuTmhEd2dwZ19QSkh0SElzel9BdV83TTh2dUQtQmVzV3Rqb2pjMVdGNUhld1lJb2lvVTk2MTVZbkZpS0hfcW9ZclVrNnIxMFN4NWFuZmZtMURjU1EzSWVaaXFVakRn?oc=5) · The Business Journals
- 2021-09-30 [Henry Adamcik Obituary (1942 - 2019) - Collingdale, PA - Delaware County Daily & Sunday Times - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNS3FaeDFiZ29abHhWeDQ5Wi1wZVdwQzg4cVFsX0xtd2RtUlpUZFk0Uy1YcUhVVEpzQzZGcUhyVkxIWkwtZ25iSTlENUtlbXVmOHJiTTdadE9KdW1xc1lnZ3Jabm94ZFRuZ2Z1Z3J0Skxkek4yd2hpeU1MUGtrR3RjMTV1Y2JYemdOWWN3ZXVzNlY?oc=5) · legacy.com
- 2023-05-20 [Rose Tree Media language arts teacher named PA Teacher of the Year finalist - Delco Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxOZnBXZUtwcXhfTWloX1E3aFlRSG43TEFQVzJXUklJUXJ5RWxDRGt5WVVEeFFEbXlkQW0wd3RBZFJvQ1JCTmtEVlhEc2liWGNkM1Bzc3h5TGpYdFp3dWNsXzh3WkxncW4xS21qSWxPa3Q0OGdvaDNyaFNVWXVtUkFNUEc5ZlN0SVZ0X01IN19xSlp2YkJIbTU3MEp5SXl4aF84VTlHMFRmLTMtRjdqRHdXVnE0MWc?oc=5) · Delco Times
- 2023-11-18 [Interboro Hometown Hero Banner program finishes work - Delco Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxQSUtDMkY0QjR6SEhKUzVlVUdxQzVWczZtUm9GWnVNOFo2cG5JQzBOVHNHZDFvVDlMSW9mdmVfN2xJRjVZOElLZzYzZFpjZ2FwYm5KZ0dmMmdWaFY4MjM5a2E1WEpGLWJKWjk4Yl82YVF3ZEtXVTB4YVpaaC0zRTJVemphcE1pX1RFNEhMajNUMkVpdllGeHc?oc=5) · Delco Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28793 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "28793", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide