Mercer County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mercer County State Bank of Sandy Lake, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.12% | 1.35% | -0.23% | 40th below |
| ROAE | 14.29% | 12.05% | +2.24% | 62nd above |
| Net Interest Margin | 3.81% | 3.90% | -0.09% | 43rd below |
| Efficiency Ratio | 65.12% | 63.15% | +1.97% | 39th below |
| PPNR / Avg Assets | 1.42% | 1.64% | -0.22% | 40th below |
| Yield on Earning Assets | 5.07% | 5.65% | -0.58% | 26th below |
| Cost of Funds | 1.33% | 1.85% | -0.52% | 79th top |
| Net Interest Spread | 3.25% | 3.35% | -0.10% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.26% | 0.92% | +1.34% | 11th bottom |
| NPA / Total Assets | 1.51% | 0.67% | +0.84% | 12th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 50.82% | 1645.82% | -1595.00% | 11th bottom |
| Texas Ratio | 19.85% | 7.14% | +12.71% | 8th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 320.00% | 1189.73% | -869.73% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.27% | 12.46% | -2.19% | 37th below |
| Equity / Assets | 7.85% | 11.67% | -3.82% | 12th bottom |
| TCE / Tangible Assets | 7.56% | 11.40% | -3.84% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.57% | 78.64% | -2.07% | 58th above |
| Core Deposit Ratio | 91.72% | 87.09% | +4.63% | 65th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.46% | 5.11% | -0.65% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.73% | 6.48% | -5.75% | 24th bottom |
| Loan Growth (Y/Y) | 3.24% | 7.64% | -4.40% | 38th below |
| Deposit Growth (Y/Y) | 0.28% | 6.03% | -5.75% | 25th below |
See Mercer County State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mercer County State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mercer County State Bank profile, how to read a UBPR, or how this data updates.