Bank Comparison
Mercer County State Bank vs Hatboro Federal Savings
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Mercer County State Bank | Hatboro Federal Savings |
|---|---|---|
| CET1 Ratio | — | 42.51% |
| Tier 1 Capital Ratio | — | 42.51% |
| Total Capital Ratio | — | 43.46% |
| Tier 1 Leverage Ratio | 10.46% | 24.49% |
| Equity / Assets | 7.88% | 24.24% |
Profitability
| Metric | Mercer County State Bank | Hatboro Federal Savings |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 1.10% |
| Return on Equity (ROE) | 13.52% | 4.57% |
| Net Interest Margin (NIM) | 3.69% | 3.12% |
| Yield on Earning Assets | 5.02% | 5.23% |
| Cost of Funds | 1.41% | 2.65% |
Asset quality
| Metric | Mercer County State Bank | Hatboro Federal Savings |
|---|---|---|
| Texas Ratio | 17.97% | 5.73% |
| Non-Performing Loan Ratio | 1.95% | 1.78% |
| Non-Performing Asset Ratio | 1.29% | 1.42% |
| Net Charge-Off Ratio | 0.09% | 0.00% |
| ACL / Loans | 1.14% | 0.68% |
Balance sheet
| Metric | Mercer County State Bank | Hatboro Federal Savings |
|---|---|---|
| Total Assets | $601,730K | $590,545K |
| Total Deposits | $527,393K | $437,922K |
| Total Loans | $396,899K | $472,208K |
| Total Equity | $47,414K | $143,141K |
| Net Income (quarter) | $1,599K | $1,628K |
Liquidity & funding
| Metric | Mercer County State Bank | Hatboro Federal Savings |
|---|---|---|
| Loan-to-Deposit Ratio | 75.26% | 107.83% |
| Core Deposit Ratio | 90.68% | 85.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mercer County State Bank | Hatboro Federal Savings |
|---|---|---|
| Headquarters City | SANDY LAKE | HATBORO |
| Headquarters State | PA | PA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 704859 |
| Regulator | FDIC | OCC |
| Domestic Branches | 12 | 4 |
| Employees (FTE) | 108 | 38 |
| Established | June 20, 1911, midnight | June 30, 1941, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Mercer County State Bank profile | View full Hatboro Federal Savings profile | Browse all bank comparisons