Bank call report · Milroy, PA
MCS Bank Call Report
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MCS Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 263 reported line items, schedule by schedule (420 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 757779 |
| FDIC certificate number | 28186 |
| Total assets | $224.7M |
Official Q2 2026 call report PDF (FFIEC) →
MCS Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · MCS Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $224.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $224.7M |
| Total Liabilities and Minority Interest | RCON2948 | $198.3M |
| Total Deposits | RCON2200 | $196.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $185.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $183.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $158.8M |
| Deposits: Noninterest-bearing | RCON6631 | $37.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $27.0M |
| Total Equity Capital | RCON3210 | $26.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $26.4M |
| Interest-bearing Balances | RCON0071 | $14.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $10.1M |
| Other Assets | RCON2160 | $8.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $6.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.4M |
| Other Liabilities, Total | RCON2930 | $1.3M |
| Other Borrowed Money | RCON3190 | $881K |
| Intangible Assets | RCON2143 | $752K |
| Goodwill | RCON3163 | $718K |
| Accumulated Other Comprehensive Income | RCONB530 | -$577K |
Schedule RI: Income Statement (41 items)
About Schedule RI · MCS Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.8M |
| Net Interest Income | RIAD4074 | $4.7M |
| Total Noninterest Expense | RIAD4093 | $4.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.0M |
| Salaries and Employee Benefits | RIAD4135 | $2.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.8M |
| Other Noninterest Expense | RIAD4092 | $1.6M |
| Total Interest Expense | RIAD4073 | $1.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.3M |
| Total Noninterest Income | RIAD4079 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $962K |
| Net Income (Loss) | RIAD4340 | $962K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $962K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $544K |
| Noninterest income: Income from insurance activities | RIADHT74 | $373K |
| Other Noninterest Income | RIADB497 | $366K |
| Applicable Income Taxes | RIAD4302 | $344K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $326K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $300K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $268K |
| Provision for Loan and Lease Losses | RIAD4230 | $232K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $208K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $183K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $143K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $133K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $133K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $115K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $115K |
| Other Interest Expense | RIADGW44 | $86K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $66K |
| Goodwill Impairment Losses | RIADC216 | $50K |
| Other Interest Income | RIAD4518 | $41K |
| Interest on Other Securities | RIAD4060 | $28K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $26K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $19K |
| Net Servicing Fees | RIADB492 | $17K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $12K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 58 |
Schedule RC-B: Securities (26 items)
About Schedule RC-B · MCS Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $1.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $1.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $10.8M |
| Pledged Securities | RCON0416 | $8.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $3.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $2.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $2.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $1.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $1.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $725K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $587K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $554K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $445K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $430K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $388K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $363K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $294K |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $202K |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $197K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $69K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · MCS Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $185.8M |
| Pledged Loans and Leases | RCONG378 | $183.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $76.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $56.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $40.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $26.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $24.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $19.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $19.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $16.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $16.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $15.7M |
| Commercial and Industrial Loans | RCON1766 | $14.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $14.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $10.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $7.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $6.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $5.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $4.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.0M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $898K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $538K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $478K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $157K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $157K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $120K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $83K |
| Other Loans | RCONJ464 | $49K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $22.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $16.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $8.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.9M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 249 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 163 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 103 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 48 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 25 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 10 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · MCS Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $114.3M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $111.6M |
| Total Transaction Accounts | RCON2215 | $81.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $72.6M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $42.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $40.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $37.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $33.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $29.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $19.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $13.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $12.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $9.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $8.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $8.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $8.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $7.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $5.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $4.6M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $4.6M |
| Total Brokered Deposits | RCON2365 | $4.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $2.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $2.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $240K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $11K |
| Total reciprocal deposits | RCONJH83 | $5K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $3.4M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.8M |
| Accrued Interest Receivable | RCONB556 | $1.0M |
| Other Assets | RCON2168 | $696K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $628K |
| Net Deferred Tax Assets | RCON2148 | $516K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $185K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $829K |
| Other Expenses Accrued and Unpaid | RCON3646 | $374K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $363K |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $214K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $97K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $49K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · MCS Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $225.5M |
| Quarterly Average of Total Loans | RCON3360 | $185.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $103.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $61.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $60.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $44.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $44.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $14.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $13.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $8.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $6.8M |
| Mortgage-backed Securities | RCONB559 | $4.2M |
| All Other Securities | RCONB560 | $3.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $3.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $2.8M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · MCS Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $7.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $3.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.2M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $35K |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $35K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · MCS Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $500K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $381K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $69K |
| Mortgage Servicing Assets | RCON3164 | $30K |
| All other intangible assets | RCONJF76 | $4K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · MCS Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.2M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $628K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $608K |
| Additions to Nonaccrual Assets | RCONC410 | $552K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $393K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $314K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $138K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $93K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $91K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $77K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $54K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $35K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $35K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $20K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $14K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · MCS Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $226.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $196.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $149.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $37.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $26.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.7M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 14,175 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 249 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 77 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 5 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (20 items)
About Schedule RC-R, Part I · MCS Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $225.5M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $224.8M |
| Total Assets | RCOA2170 | $224.7M |
| Retained Earnings | RCOAKW00 | $27.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $26.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $26.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $26.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $26.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $16.2M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $16.2M |
| Unconditionally Cancellable Commitments | RCOAS540 | $3.7M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $722K |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $718K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$578K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$578K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $4K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1169 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0721 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $26.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $25.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $25.5M |
| Other Comprehensive Income | RIADB511 | -$41K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · MCS Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $137K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $137K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $98K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $85K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $13K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · MCS Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $137K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$24K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $9.9M |
MCS Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the MCS Bank call report?
The MCS Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does MCS Bank file?
MCS Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the MCS Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: MCS Bank has Federal Reserve RSSD ID 757779 and FDIC certificate number 28186. Either one finds its filings on the FFIEC Central Data Repository.
How often does MCS Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
MCS Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 28186) · FFIEC NIC profile (RSSD 757779)