MCS Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks MCS Bank of Milroy, PA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.97% | 1.25% | -0.28% | 30th below |
| ROAE | 8.36% | 12.22% | -3.86% | 26th below |
| Net Interest Margin | 4.54% | 3.95% | +0.59% | 80th top |
| Efficiency Ratio | 71.83% | 63.71% | +8.12% | 23rd bottom |
| PPNR / Avg Assets | 1.45% | — | — | 41st below |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 1.43% | 1.87% | -0.44% | 73rd above |
| Net Interest Spread | 4.12% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.88% | -0.52% | 54th above |
| NPA / Total Assets | 0.30% | — | — | 52nd above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 87th top |
| ACL / Total Loans | 1.20% | — | — | 51st above |
| ACL / NPLs (Coverage) | 336.35% | — | — | 61st above |
| Texas Ratio | 2.37% | 5.96% | -3.59% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.69% | 11.75% | -0.06% | 61st above |
| Equity / Assets | 11.76% | 10.98% | +0.78% | 68th above |
| TCE / Tangible Assets | 11.47% | — | — | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.80% | 80.44% | +14.36% | 19th bottom |
| Core Deposit Ratio | 93.27% | 86.95% | +6.32% | 75th top |
| Wholesale Funding Ratio | 0.39% | — | — | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.54% | — | — | 72nd above |
| Loan Growth (Y/Y) | 7.94% | — | — | 64th above |
| Deposit Growth (Y/Y) | 8.49% | — | — | 77th top |
See MCS Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock MCS Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full MCS Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the MCS Bank peer analysis.