MCS BANK

MILROY, PA | Small | Est. Jan. 1, 1923, midnight | FDIC #28186 | RSSD #757779 | FDIC
Latest Report: 2025-12-31

MCS BANK is asn small FDIC-insured commercial bank headquartered in MILROY, PA, established in Jan. 1, 1923, midnight. As of 2025-12-31, the bank reported total assets of $213M and total deposits of $180M. Profitability stands at 0.78% ROA and 6.49% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 11.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.55% and a Texas Ratio of 3.58%. FDIC Certificate #28186.

Assets

$213M

Deposits

$180M

Loans

$180M

Equity

$25M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 6.49%
Net Interest Margin (NIM) 4.47%
Yield on Assets 5.91%
Cost of Funds 1.51%

Asset Quality

NPL Ratio 0.55%
Net Charge-Off Ratio 0.25%
Texas Ratio 3.58%
NPA Ratio 0.46%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 11.30%
Tier 1 Capital 11.30%
Total Capital Ratio 11.86%
Leverage Ratio 11.79%
Loan-to-Deposit 100.18%

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