MERCER COUNTY STATE BANK

SANDY LAKE, PA | Medium | Est. June 20, 1911, midnight | FDIC #445 | RSSD #866121 | FDIC
Latest Report: 2025-12-31

MERCER COUNTY STATE BANK is amn medium FDIC-insured commercial bank headquartered in SANDY LAKE, PA, established in June 20, 1911, midnight. As of 2025-12-31, the bank reported total assets of $597M and total deposits of $517M. Profitability stands at 1.29% ROA and 16.66% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 7.29%. Asset quality metrics show a non-performing loan ratio of 1.40% and a Texas Ratio of 10.58%. FDIC Certificate #445.

Assets

$597M

Deposits

$517M

Loans

$391M

Equity

$47M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 16.66%
Net Interest Margin (NIM) 3.96%
Yield on Assets 5.41%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 1.40%
Net Charge-Off Ratio 0.05%
Texas Ratio 10.58%
NPA Ratio 0.92%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 7.29%
Tier 1 Capital 7.29%
Total Capital Ratio 7.66%
Leverage Ratio 10.15%
Loan-to-Deposit 75.69%

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