Mercer County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Mercer County State Bank is an FDIC-insured commercial bank headquartered in Sandy Lake, PA, established in 1911 (FDIC certificate 445), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $611.3M, up 0.7% from Q2 2025, the 63rd largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 445
- Headquarters
- Sandy Lake, PA
- Established
- 1911
- Total assets, Q2 2026
- $611.3M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 10.27%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 043313259
- Latest call report
- Q2 2026, FFIEC 051 · Mercer County State Bank call report
- Holding company
- MERCER COUNTY STATE BANCORP, INC.
- Asset rank in state
- 63rd of 109 in Pennsylvania
Problem loans are rising at Mercer County State Bank. Based in Sandy Lake, Pennsylvania, it had $611 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.42% of loans from 1.90% a year earlier. It carries problem assets equal to 19.5% of the capital and reserves that would absorb them, 7.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.33% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $21 million equal 33% of Tier 1 capital, down from 43% a year earlier. Earnings jumped: net income for the quarter was $1.7 million, 33% above the same quarter a year earlier. One more trend to watch: the commercial and industrial book ($46 million) is worsening: 10.97% of it is past due or on nonaccrual, up from 9.62% a year earlier.
As of June 30, 2026, Mercer County State Bank reported a return on assets of 1.12%, a nonperforming-loan ratio of 2.42% and a Texas ratio of 19.52%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Mercer County State Bank is the 63rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.6% to $611.3M, loans rose 2.3% and deposits rose 0.6%. Owner-occupied commercial real estate loans made up 44.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 26.4%. The FDIC Summary of Deposits lists 12 offices for it, in 10 cities in PA; its Sandy Lake 2 offices book 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, Mercer County State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3279 South Main Street, Sandy Lake, PA 16145
- County
- Mercer
- Metro Area
- Hermitage, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 20, 1911
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $530.3M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $75K
- Average total assets
- $609.5M
- Average total loans
- $403.8M
- Average interest-bearing deposits
- $383.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 445
- Fed RSSD
- 866121
- Website
- www.mcsbank.bank →
- Parent Holding Company
- MERCER COUNTY STATE BANCORP, INC. (RSSD 1247183)
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, Mercer County State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Mercer County State Bank's total assets ran between $553.8M (Q3 2023) and $611.3M (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
$611.3M total assets against $606.8M; $563.3M total liabilities against $565.2M.
$401.4M net loans and leases against $388.5M; $530.3M total deposits against $528.8M.
$149.1M securities against $150.3M; $17.6M cash and balances due against $23.6M.
$7.3M total interest income against $7.0M; $1.8M total interest expense against $2.1M.
$5.5M net interest income against $4.9M.
$936K total noninterest income against $1.0M; $4.3M total noninterest expense against $3.7M.
$135K provision for credit losses against $793K.
$1.7M net income against $1.3M.
1.12% return on assets against 0.85%; 3.81% net interest margin against 3.42%.
10.27% tier 1 leverage ratio against 9.94%.
Inside the full Mercer County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMercer County State Bank rankings
Its closest position to the top of a national ranking is 181 of 3,640, for Texas Ratio; its furthest is 2,370 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q1 2025) to 1.29% (Q4 2025) and its net interest margin ran from 3.36% (Q3 2024) to 3.85% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.27% | 1.12% | 2.42% | 19.52% | 3.81% |
| Q1 2026 | 10.46% | 1.06% | 2.24% | 17.80% | 3.69% |
| Q4 2025 | 10.15% | 1.29% | 1.99% | 15.63% | 3.85% |
| Q3 2025 | 10.08% | 0.90% | 1.50% | 11.97% | 3.50% |
| Q2 2025 | 9.94% | 0.85% | 1.90% | 16.79% | 3.42% |
| Q1 2025 | 10.05% | 0.76% | 1.33% | 11.83% | 3.41% |
| Q4 2024 | 9.90% | 0.94% | 1.89% | 18.13% | 3.40% |
| Q3 2024 | 9.99% | 0.91% | 2.52% | 21.18% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Sandy Lake Branch | Sandy Lake , PA | 16145 | $127.0M |
| Grove City Branch | Grove City , PA | 16127 | $58.9M |
| Mercer Branch | Mercer , PA | 16137 | $58.3M |
| Hermitage Branch Office | Hermitage , PA | 16148 | $49.0M |
| Jackson Township Branch | Mercer , PA | 16137 | $45.9M |
| Cochranton Branch | Cochranton , PA | 16314 | $41.9M |
| Meadville Branch | Meadville , PA | 16335 | $37.2M |
| Fredonia Branch | Fredonia , PA | 16124 | $36.9M |
| Cambridge Springs Branch | Cambridge Springs , PA | 16403 | $36.0M |
| Clintonville Branch | Clintonville , PA | 16372 | $28.0M |
| Harrisville | Harrisville , PA | 16038 | $11.1M |
| Mercer County State Bank (main office) | Sandy Lake , PA | 16145 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 1990 | Structure Change | Acquired The First National Bank of Stoneboro Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 80 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $215K approved, $215K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Mercer County State Bank
What are Mercer County State Bank's total assets?
As of the Q2 2026 filing, Mercer County State Bank reported total assets of $611.3 million in its FFIEC call report.
Where is Mercer County State Bank headquartered?
It is headquartered in Sandy Lake, PA, United States.
When was Mercer County State Bank founded?
It was established in 1911, per the FDIC institution directory.
Is Mercer County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mercer County State Bank?
Mercer County State Bank's primary federal regulator is the FDIC.
How many branches does Mercer County State Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mercer County State Bank's Texas Ratio?
Its Texas Ratio is 19.52% 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.
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