Bank Safety Analysis
Is Mercer County State Bank Safe? Sandy Lake, Pennsylvania
Based on its Q2 2026 call report, Mercer County State Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 19.52%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Mercer County State Bank and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, Mercer County State Bank's Community Bank Leverage Ratio is 10.27%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 10.27%
- Texas ratio (Q2 2026): 19.52%
- Noncurrent loans ratio (Q2 2026): 2.42%
Mercer County State Bank is an FDIC-insured commercial bank (FDIC Certificate #445). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Mercer County State Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The largest change between Q1 2026 and Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due), which rose 0.18 percentage points to 2.42%. Mercer County State Bank ranks 55th of 109 Pennsylvania banks on leverage ratio, in the lower half at 10.27% (Q2 2026). Mercer County State Bank reported 10.27% on leverage ratio for Q2 2026, 0.68 points below the 10.95% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Mercer County State Bank's CET1 ratio ranged between 13.48% (Q4 2024) and 14.43% (Q3 2023) and its Texas ratio ranged between 6.99% (Q1 2024) and 21.18% (Q3 2024). Between Q2 2025 and Q2 2026, Mercer County State Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.90% to 2.42%, Texas ratio rose from 16.79% to 19.52% and return on assets rose from 0.85% to 1.12%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 10.27% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 10.27% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.42% are elevated; merits closer attention.
Texas Ratio of 19.5% is well below the 100% historical failure threshold.
Efficiency ratio of 65.1% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 19.52% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.42% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 76.57% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 67.20% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 6 quarters
| Quarter | CET1 (%) |
|---|---|
| Q4 2024 | 13.48% |
| Q3 2024 | 14.15% |
| Q2 2024 | 13.50% |
| Q1 2024 | 13.87% |
| Q4 2023 | 13.85% |
| Q3 2023 | 14.43% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 19.52% |
| Q1 2026 | 17.80% |
| Q4 2025 | 15.63% |
| Q3 2025 | 11.97% |
| Q2 2025 | 16.79% |
| Q1 2025 | 11.83% |
| Q4 2024 | 18.13% |
| Q3 2024 | 21.18% |
| Q2 2024 | 12.96% |
| Q1 2024 | 6.99% |
| Q4 2023 | 7.82% |
| Q3 2023 | 15.57% |
Mercer County State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 2.42% | 19.52% | 1.12% |
| Mar 31, 2026 | — | 2.24% | 17.80% | 1.06% |
| Dec 31, 2025 | — | 1.99% | 15.63% | 1.29% |
| Sep 30, 2025 | — | 1.50% | 11.97% | 0.90% |
| Jun 30, 2025 | — | 1.90% | 16.79% | 0.85% |
| Mar 31, 2025 | — | 1.33% | 11.83% | 0.76% |
| Dec 31, 2024 | 13.48% | 1.89% | 18.13% | 0.94% |
| Sep 30, 2024 | 14.15% | 2.52% | 21.18% | 0.91% |
| Jun 30, 2024 | 13.50% | 1.34% | 12.96% | 0.95% |
| Mar 31, 2024 | 13.87% | 0.68% | 6.99% | 0.80% |
| Dec 31, 2023 | 13.85% | 0.85% | 7.82% | 1.01% |
| Sep 30, 2023 | 14.43% | 1.37% | 15.57% | 0.98% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Mercer County State Bank FDIC insured?
Yes. Mercer County State Bank is an FDIC-insured commercial bank (FDIC Certificate #445). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Mercer County State Bank well capitalized?
On its Q2 2026 call report, Mercer County State Bank's Community Bank Leverage Ratio is 10.27%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Mercer County State Bank's key safety ratios?
For Q2 2026, Mercer County State Bank reports leverage 10.27%, Texas ratio 19.52%, noncurrent loans 2.42%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Mercer County State Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
Add this badge to your website
Free to use. It shows Mercer County State Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 445) · FFIEC NIC profile (RSSD 866121)
Explore: Full Mercer County State Bank profile · Other banks in PA · Metric glossary · How the call report works