MCS Bank
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Data as of · sourced from FFIEC call reports. How we update
MCS Bank is an FDIC-insured savings bank headquartered in Milroy, PA, established in 1923 (FDIC certificate 28186), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $224.7M, up 7.5% from Q2 2025, the 89th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.69% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28186
- Headquarters
- Milroy, PA
- Established
- 1923
- Total assets, Q2 2026
- $224.7M
- Assets vs Q2 2025
- +7.5%
- Tier 1 leverage ratio, Q2 2026
- 11.69%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 231372811
- Asset rank in state
- 89th of 109 in Pennsylvania
Problem loans are falling at MCS Bank. Based in Milroy, Pennsylvania, it had $225 million in assets at June 30, 2026, up 7.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.36% of loans from 0.73% a year earlier. It keeps 4.54 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew deposits 8.5% over the year, about double the median of 4.0% for banks its size.
Net income for the quarter rose 29% from a year earlier, to $546,000. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, MCS Bank reported a return on assets of 0.97%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.37%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, MCS Bank is the 89th largest of the 109 banks headquartered in Pennsylvania. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $224.7M, loans rose 0.3% and deposits rose 3.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 55.7% of total loans, ahead of owner-occupied commercial real estate loans at 21.7%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in PA; its Lewistown office books 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, MCS Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Commerce Dr, Milroy, PA 17063
- County
- Mifflin
- Metro Area
- Lewistown, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Former names
- Mifflin County Savings Bank (1993-2017)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $196.1M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $39K
- Average total assets
- $225.5M
- Average total loans
- $185.8M
- Average interest-bearing deposits
- $157.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28186
- Fed RSSD
- 757779
- Website
- WWW.MCS.BANK →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, MCS Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
MCS Bank's total assets moved between a low of $189.5M (Q3 2023) and a high of $224.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$224.7M total assets against $208.9M; $198.3M total liabilities against $184.6M.
$183.6M net loans and leases against $170.1M; $196.1M total deposits against $180.7M.
$10.1M securities against $11.8M; $16.0M cash and balances due against $11.5M.
$3.1M total interest income against $2.7M; $701K total interest expense against $721K.
$2.4M net interest income against $2.0M.
$638K total noninterest income against $685K; $2.2M total noninterest expense against $1.9M.
$85K provision for credit losses against $243K.
$546K net income against $424K.
0.97% return on assets against 0.81%; 4.54% net interest margin against 4.15%.
11.69% tier 1 leverage ratio against 11.69%.
Inside the full MCS Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMCS Bank rankings
Its closest position to the top of a national ranking is 2,104 of 3,640, for Texas Ratio; its furthest is 2,867 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.54% (Q4 2024) to 1.33% (Q3 2024) and its net interest margin ran from 3.93% (Q1 2025) to 4.54% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.69% | 0.97% | 0.36% | 2.37% | 4.54% |
| Q1 2026 | 11.76% | 0.76% | 0.47% | 3.16% | 4.48% |
| Q4 2025 | 11.79% | 0.76% | 0.55% | 3.72% | 4.41% |
| Q3 2025 | 11.80% | 1.01% | 0.48% | 3.18% | 4.47% |
| Q2 2025 | 11.69% | 0.81% | 0.73% | 4.90% | 4.15% |
| Q1 2025 | 11.43% | 0.60% | 0.73% | 4.95% | 3.93% |
| Q4 2024 | 11.43% | 0.54% | 0.79% | 5.50% | 3.96% |
| Q3 2024 | 11.43% | 1.33% | 0.80% | 5.44% | 4.33% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lewistown Branch | Lewistown , PA | 17044 | $62.4M |
| Mount Union Branch | Mount Union , PA | 17066 | $35.0M |
| Belleville Branch | Belleville , PA | 17004 | $30.5M |
| Mcclure Branch | Mcclure , PA | 17841 | $23.6M |
| MCS Bank (main office) | Milroy , PA | 17063 | $21.6M |
| Allensville Branch | Allensville , PA | 17002 | $12.3M |
| Burnham Branch | Burnham , PA | 17009 | $10.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 111 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about MCS Bank
What are MCS Bank's total assets?
As of the Q2 2026 filing, MCS Bank reported total assets of $224.7 million in its FFIEC call report.
Where is MCS Bank headquartered?
It is headquartered in Milroy, PA, United States.
When was MCS Bank founded?
It was established in 1923, per the FDIC institution directory.
Is MCS Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28186). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MCS Bank?
MCS Bank's primary federal regulator is the FDIC.
How many branches does MCS Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is MCS Bank's Texas Ratio?
Its Texas Ratio is 2.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was MCS Bank previously called?
The charter now named MCS Bank has also operated as Mifflin County Savings Bank (1993-2017), per FDIC structure-change records.
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