The no-hair theorem (scientific term for what you are descriping) essentially states that black holes can be completely described by only three externally observable classical properties: mass, charge, and angular momentum. The internal distribution of matter or charge within the black hole is irrelevant from the outside once it crosses the event horizon.
The charge of an object thrown into a black hole doesn't need to "instantaneously" reach the singularity. In fact, it doesn't even "travel" in the sense that the observer would see a time delay based on where the charge is inside the horizon. The EM field generated by this charged object can still be observed outside the horizon before the object crosses the horizon. In classical GR, the exterior of a charged black hole is governed by the Reissner-Nordström metric [1], and it already includes the influence of charge. Once the object enters the horizon, the outside observer will perceive the black hole's external field to have changed. The field adjustment is instant for the outside observer because, from their point of view, the object never actually crosses the event horizon (due to infinite time dilation at the horizon from their perspective). The charge appears to have been "absorbed" by the black hole when the object is still outside the horizon.
So no-hair theorem doesn't imply that properties such as charge or angular momentum must be "smeared" instantaneously to the singularity inside the black hole. The theorem only describes how these properties manifest externally, not their behavior inside the horizon. Once a charge object passes the event horizon, the information about its charge is not causally connected to any observer inside the black hole (except in QM contexts, where the information paradox becomes relevant). However, the charges affects the external metric of the black hole immediately and completely as seen by external observers. Also it doesn't say that the charge or mass needs to be uniformly distributed or behave in any specific way inside the event horizon. It only states that from the outside, black holes look like point-like objects characterized by mass, charge, and angular momentum. The specifics of how charge is distributed inside the black hole’s event horizon aren't visible to outside observers and therefore don't affect the validity of the theorem.
[1] https://en.wikipedia.org/wiki/Reissner%E2%80%93Nordstr%C3%B6...