Mercer County State Bank
Mercer County State Bank is a locally rooted FDIC-insured community bank based in Sandy Lake, PA. As of Q1 2026, the bank held approximately $602M in total assets and $527M in deposits. Earnings are mid-range — 1.06% ROA and a 3.69% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.46% exceeds the 9% CBLR threshold. Asset quality merits closer attention with NPLs at 1.95%. Mercer County State operates a 12-branch network.
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
- Fed District
- 2
- Established
- June 20, 1911
- Branches
- 12 domestic
- Employees (FTE)
- 108
- FDIC Cert
- 445
- Fed RSSD
- 866121
- Website
- www.mcsbank.bank →
- Parent Holding Company
- MERCER COUNTY STATE BANCORP, INC. (RSSD 1247183)
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Mercer County State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Mercer County State Bank
What are Mercer County State Bank's total assets?
As of the Q1 2026 filing, Mercer County State Bank reported total assets of $601.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Mercer County State Bank headquartered?
Mercer County State Bank is headquartered in SANDY LAKE, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Mercer County State Bank founded?
Mercer County State Bank was established in 1911, per the FDIC institution directory.
Is Mercer County State Bank FDIC-insured?
Yes. Mercer County State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Mercer County State Bank operate?
Mercer County State Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Mercer County State Bank's Texas Ratio?
Mercer County State Bank's Texas Ratio is 17.97% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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