Bank routing number ยท Milroy, Pennsylvania
MCS Bank Routing Number (ABA): 231372811
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The MCS Bank routing number is 231372811. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
MCS Bank at a glance
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.
- Total assets, Q2 2026
- $224.7M
- Tier 1 leverage ratio, Q2 2026
- 11.69%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 10 FDIC institution directory, current count
- Established
- 1923
Full financial profile · Is MCS Bank safe? · Branch locations
MCS Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 231372811 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; MCS Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 23, place this number in the Federal Reserve Bank of Philadelphia's district (District 3): prefixes 21 to 32 are the district numbers assigned to thrift institutions. Digits five through eight, 7281, identify the institution within that district. The last digit, 1, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to MCS Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your MCS Bank checks or in its online banking. Ask the bank for wire instructions (www.mcs.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About MCS Bank
MCS Bank is headquartered in Milroy, Pennsylvania and was established in 1923. It is in the LEWISTOWN, PA metro area. It reported $224.7M in total assets and $196.1M in deposits for Q2 2026, the 89th largest of the 109 banks headquartered in Pennsylvania. It reports 10 domestic offices. Its deposits have been FDIC insured since 1989. Its primary federal regulator is the FDIC.
What the digits in 231372811 mean
The first four digits, 2313, are the Federal Reserve routing symbol. The prefix 23 places the number in the 3rd Federal Reserve District (Philadelphia), a range the ABA plan set aside for thrift institutions. That is also the district where the bank is headquartered. Digits five through eight, 7281, identify the institution within its Federal Reserve district. The last digit, 1, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 13 + 7 x 11 + 4 = 120, a multiple of 10, so 231372811 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the MCS Bank routing number?
The MCS Bank routing number is 231372811. It is the primary ABA routing transit number registered to MCS Bank, headquartered in Milroy, PA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the MCS Bank wire routing number?
This page lists the primary routing number registered to MCS Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with MCS Bank before sending a wire.
Is ABA number 231372811 the routing number for MCS Bank?
Yes. It is the primary routing number registered to MCS Bank.
Which bank uses routing number 231372811?
It belongs to MCS Bank, headquartered in Milroy, PA. It is the bank's primary ABA routing number (FDIC certificate 28186).
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Regulator records: FDIC BankFind (cert 28186) · FFIEC NIC profile (RSSD 757779)