Branch Network
Mercer County State Bank Locations & Branches Sandy Lake, Pennsylvania
BankRegReports is independent of Mercer County State Bank and never asks for online banking logins or passwords.
Mercer County State Bank operates 12 branches from its headquarters in Sandy Lake, PA, .
Mercer County State Bank branch network
All 12 branches are in PENNSYLVANIA, across 10 cities. Sandy Lake, PA has the most of its branches, 2. Its largest office by deposits is the Sandy Lake Branch office in Sandy Lake, PA, with $127.0M (24.0% of its branch deposits). It had the same number of branches on June 30, 2025.
Mercer County State Bank at a glance
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.
- Total assets, Q2 2026
- $611.3M
- Tier 1 leverage ratio, Q2 2026
- 10.27%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1911
Full financial profile · Is Mercer County State Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Sandy Lake, PA (2 branches) | 1 of 1 | 100.0% | $127.0M |
| State: PA (12 branches) | 80 of 145 | <0.1% | $530.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Pennsylvania.
Share by county and metro area
Mercer County State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mercer, PA (7 branches) | 3 of 9 | 13.2% | $376.1M | $2.84B |
| Crawford, PA (3 branches) | 6 of 8 | 6.9% | $115.1M | $1.66B |
| Venango, PA (1 branch) | 8 of 9 | 2.8% | $28.0M | $1.00B |
| Butler, PA (1 branch) | 18 of 19 | 0.2% | $11.1M | $6.61B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Youngstown-Warren-Boardman, OH-PA (7 branches) | 7 of 15 | 2.8% | $376.1M | $13.31B |
| Meadville, PA (3 branches) | 6 of 8 | 6.9% | $115.1M | $1.66B |
| Oil City, PA (1 branch) | 8 of 9 | 2.8% | $28.0M | $1.00B |
| Pittsburgh, PA (1 branch) | 45 of 47 | <0.1% | $11.1M | $207.06B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 445) · FFIEC NIC profile (RSSD 866121)