Mercer County State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 10.16 percentage points in Q2 2026, from 57.04% to 67.20%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Mercer County State Bank is 85th of 109 on loan-to-deposit ratio, 76.57% as of Q2 2026, below the middle of the field. Mercer County State Bank reported 76.57% on loan-to-deposit ratio for Q2 2026, 4.27 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $406.1M |
| Net loans and leases | $401.4M |
| Loans held for sale | $0 |
| Loans to total assets | 66.43% |
| Loan-to-deposit ratio | 76.57% |
| Net loans to equity capital | 8.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.09% |
| Multifamily (5+ residential) | 3.23% |
| Commercial and industrial | 11.26% |
| Consumer | 0.53% |
| Credit cards | 0.00% |
| Farm | 4.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 67.20% |
| Construction concentration (Tier 1 capital + allowance) | 2.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $6.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $357.0M | $498.7M | 43.74% | 12.31% | 0.95% |
| Q4 2023 | $359.5M | $483.4M | 44.74% | 11.72% | 0.94% |
| Q1 2024 | $365.4M | $491.0M | 45.70% | 11.52% | 0.87% |
| Q2 2024 | $387.3M | $494.6M | 47.35% | 12.17% | 0.75% |
| Q3 2024 | $384.7M | $499.9M | 49.13% | 10.64% | 0.71% |
| Q4 2024 | $390.4M | $491.7M | 49.30% | 11.54% | 0.70% |
| Q1 2025 | $388.2M | $499.2M | 49.38% | 11.23% | 0.64% |
| Q2 2025 | $393.3M | $528.8M | 49.45% | 11.93% | 0.63% |
| Q3 2025 | $389.9M | $530.8M | 48.96% | 12.41% | 0.63% |
| Q4 2025 | $391.0M | $516.6M | 50.60% | 11.68% | 0.58% |
| Q1 2026 | $396.9M | $527.4M | 51.06% | 11.87% | 0.53% |
| Q2 2026 | $406.1M | $530.3M | 52.09% | 11.26% | 0.53% |
Mercer County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer County State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mercer County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 445) · FFIEC NIC profile (RSSD 866121)