| Metric | Sharon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.0 pts |
| ROA | 0.65% | 1.24% | -0.6 pts |
| ROE | 6.7% | 11.9% | -5.2 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $172.6M | $146.9M | $135.4M | $16.5M | $542K | 0.65% | 4.02% | 0.56% |
| Q1 2026 | $170.8M | $141.5M | $136.1M | $16.2M | $114K | 0.28% | 3.87% | 0.56% |
| Q4 2025 | $159.7M | $133.9M | $132.8M | $16.2M | $498K | 0.30% | 3.77% | 0.60% |
| Q3 2025 | $166.9M | $137.8M | $137.7M | $15.9M | $226K | 0.18% | 3.67% | 0.64% |
| Q2 2025 | $170.2M | $146.4M | $136.0M | $15.7M | $-35K | -0.04% | 3.51% | 0.44% |
| Q1 2025 | $172.5M | $144.4M | $135.2M | $15.4M | $-345K | -0.82% | 3.24% | 0.52% |
| Q4 2024 | $164.6M | $136.7M | $126.3M | $15.7M | $-628K | -0.37% | 3.23% | 0.50% |
| Q3 2024 | $164.0M | $140.6M | $124.2M | $15.8M | $-544K | -0.43% | 3.22% | 0.54% |
Loan mix (Q2 2026): real estate $132.0M · commercial $2.9M · consumer $134K · securities $11.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Sharon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 62.9% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sharon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sharon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sharon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sharon Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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