Mercer County State Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Mercer County State Bank. Based in Sandy Lake, Pennsylvania, it had $611 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.42% of loans from 1.90% a year earlier. It carries problem assets equal to 19.5% of the capital and reserves that would absorb them, 7.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.33% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $21 million equal 33% of Tier 1 capital, down from 43% a year earlier. Earnings jumped: net income for the quarter was $1.7 million, 33% above the same quarter a year earlier. One more trend to watch: the commercial and industrial book ($46 million) is worsening: 10.97% of it is past due or on nonaccrual, up from 9.62% a year earlier.
As of June 30, 2026, Mercer County State Bank reported a return on assets of 1.12%, a nonperforming-loan ratio of 2.42% and a Texas ratio of 19.52%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 3279 South Main Street, Sandy Lake, PA 16145
- County
- Mercer
- Metro Area
- Hermitage, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 20, 1911
- Offices
- 12 domestic
- Employees (FTE)
- 111
- Domestic deposits
- $530.3M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $75K
- Average total assets
- $609.5M
- Average total loans
- $403.8M
- Average interest-bearing deposits
- $383.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 445
- Fed RSSD
- 866121
- Website
- www.mcsbank.bank →
- Parent Holding Company
- MERCER COUNTY STATE BANCORP, INC. (RSSD 1247183)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Mercer County State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Mercer County State Bank, freeMercer County State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Mercer County State Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.27% | 1.12% | 2.42% | 19.52% | 3.81% |
| Q1 2026 | 10.46% | 1.06% | 2.24% | 17.80% | 3.69% |
| Q4 2025 | 10.15% | 1.29% | 1.99% | 15.63% | 3.85% |
| Q3 2025 | 10.08% | 0.90% | 1.50% | 11.97% | 3.50% |
| Q2 2025 | 9.94% | 0.85% | 1.90% | 16.79% | 3.42% |
| Q1 2025 | 10.05% | 0.76% | 1.33% | 11.83% | 3.41% |
| Q4 2024 | 9.90% | 0.94% | 1.89% | 18.13% | 3.40% |
| Q3 2024 | 9.99% | 0.91% | 2.52% | 21.18% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sandy Lake Branch | Sandy Lake , PA | 16145 | $127.0M |
| Grove City Branch | Grove City , PA | 16127 | $58.9M |
| Mercer Branch | Mercer , PA | 16137 | $58.3M |
| Hermitage Branch Office | Hermitage , PA | 16148 | $49.0M |
| Jackson Township Branch | Mercer , PA | 16137 | $45.9M |
| Cochranton Branch | Cochranton , PA | 16314 | $41.9M |
| Meadville Branch | Meadville , PA | 16335 | $37.2M |
| Fredonia Branch | Fredonia , PA | 16124 | $36.9M |
| Cambridge Springs Branch | Cambridge Springs , PA | 16403 | $36.0M |
| Clintonville Branch | Clintonville , PA | 16372 | $28.0M |
| Harrisville | Harrisville , PA | 16038 | $11.1M |
| Mercer County State Bank (main office) | Sandy Lake , PA | 16145 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 1990 | Structure Change | Acquired The First National Bank of Stoneboro Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Mercer County State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 80 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $215K approved, $215K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Mercer County State Bank
What are Mercer County State Bank's total assets?
As of the Q2 2026 filing, Mercer County State Bank reported total assets of $611.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Mercer County State Bank headquartered?
Mercer County State Bank is headquartered in Sandy Lake, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Mercer County State Bank founded?
Mercer County State Bank was established in 1911, per the FDIC institution directory.
Is Mercer County State Bank FDIC-insured?
Yes. Mercer County State Bank is an FDIC-insured commercial bank (FDIC Certificate #445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mercer County State Bank?
Mercer County State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Mercer County State Bank operate?
Mercer County State Bank operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mercer County State Bank's Texas Ratio?
Mercer County State Bank's Texas Ratio is 19.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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