Mercer County State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.68 percentage points lower than in Q1 2026, at 50.82%. Within Pennsylvania, Mercer County State Bank is 52nd of 109 on return on assets, 1.12% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Mercer County State Bank sits 0.14 points lower, at 1.12% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.27% |
| Equity capital to assets | 7.85% |
| Tangible equity to tangible assets | 7.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.26% |
| Non-performing assets ratio | 1.51% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 19.85% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 50.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.12% |
| Return on equity | 14.29% |
| Net interest margin | 3.81% |
| Efficiency ratio | 65.12% |
| Yield on earning assets | 5.07% |
| Cost of funds | 1.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.57% |
| Core deposits to total deposits | 91.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.76% |
| Securities to assets | 24.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.43% | 14.43% | 15.45% | 9.71% | 0.98% |
| Q4 2023 | 13.85% | 13.85% | 14.77% | 9.94% | 1.01% |
| Q1 2024 | 13.87% | 13.87% | 14.77% | 10.01% | 0.80% |
| Q2 2024 | 13.50% | 13.50% | 14.41% | 9.86% | 0.95% |
| Q3 2024 | 14.15% | 14.15% | 15.10% | 9.99% | 0.91% |
| Q4 2024 | 13.48% | 13.48% | 14.42% | 9.90% | 0.94% |
| Q1 2025 | — | — | — | 10.05% | 0.76% |
| Q2 2025 | — | — | — | 9.94% | 0.85% |
| Q3 2025 | — | — | — | 10.08% | 0.90% |
| Q4 2025 | — | — | — | 10.15% | 1.29% |
| Q1 2026 | — | — | — | 10.46% | 1.06% |
| Q2 2026 | — | — | — | 10.27% | 1.12% |
Mercer County State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer County State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)