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MCS Bank

Milroy, PA · Cert 28186

SI · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

28

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

MCS Bank

Milroy, PA · Cert 28186

SI · FDIC · 7 branches

Q2 2026

$224.7MAssets
$185.8MLoans
$196.1MDeposits
$26.4MEquity
Loan mix
88%RE $158.0M9%C&I $15.5M4%Consumer $6.7MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $158.8M19%Noninterest $37.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.87%, up 16 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.36% of loans (-37 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.69%, unchanged from a year ago.
  • Funding: loans stand at 94.80% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.87%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+39 bps YoY

Efficiency Ratio (YTD, annualized)

73.32%+90 bps YoY

Tier 1 Leverage Ratio

11.69%0 bps YoY

NIM

4.69%Q2 ’245.16%Q2 ’255.37%Q2 ’26+11%+10%

Non-interest income vs. expense

3.47%Q2 ’243.67%Q2 ’253.86%Q2 ’26-7%+16%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.71%0.61%0.71%0.82%0.80%0.76%0.87%+16 bps
Return on Equity6.96%6.41%5.36%6.20%7.03%6.89%6.48%7.42%+122 bps
Net Interest Margin3.57%3.56%3.65%3.75%3.85%3.85%4.15%4.14%+39 bps
Efficiency Ratio73.24%74.90%74.80%72.42%70.73%72.70%74.53%73.32%+90 bps
Non-Interest Burden2.34%2.42%2.46%2.40%2.42%2.53%2.86%2.78%+38 bps
Growth
Asset Growth (YoY)9.72%7.29%4.46%1.78%0.62%2.91%7.06%7.54%+576 bps
Loan Growth (YoY)9.72%7.91%5.65%3.95%6.04%6.13%8.76%7.94%+399 bps
Deposit Growth (YoY)10.32%7.81%5.14%0.44%-1.15%-0.28%3.91%8.49%+805 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.79%0.73%0.73%0.48%0.55%0.47%0.36%-37 bps
Net Charge-Offs / Loans0.36%0.44%0.33%0.27%0.21%0.25%0.09%0.04%-23 bps
Allowance / Loans1.12%1.07%1.13%1.20%1.22%1.13%1.16%1.20%0 bps
Allowance Coverage of NPLs1.4x1.4x1.6x1.6x2.6x2.0x2.5x3.4x+1.7x
Capital
Tier 1 Leverage Ratio11.43%11.43%11.43%11.69%11.80%11.79%11.76%11.69%0 bps
Total Risk-Based Capital11.43%11.43%11.43%11.69%11.80%11.79%11.76%11.69%0 bps
Equity / Assets11.24%11.28%11.47%11.66%11.98%11.96%11.57%11.76%+10 bps
Liquidity & Funding
Loans / Deposits92.05%94.13%93.21%95.28%98.75%100.18%97.55%94.80%-48 bps
Liquid Assets / Assets6.26%4.92%5.54%4.90%2.76%3.45%5.91%6.50%+161 bps
CRE / Total Capitaln/an/an/an/a226%223%226%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

MCS Bank

Milroy, PA · Cert 28186 · Peer group: banks under $1B in assets operating in a single state (n=751-755)

SI · FDIC · 7 branches

Q2 2026

$224.7MAssets
$185.8MLoans
$196.1MDeposits
$26.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 73% of banks under $1B in assets operating in a single state (rank 201 of 755).
  • Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets operating in a single state (rank 603 of 751).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.86%

Rank 490 of 755

Net Interest Margin

4.14%

Rank 201 of 755

Efficiency Ratio

74.17%

Rank 547 of 755

Equity / Assets

11.76%

Rank 265 of 755

Non-interest income vs. expense

$2.4M$8.7MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state
Bank 74.17%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.86%0.72%1.06%1.45%Beats 35%490 / 755
Return on Equity7.28%6.66%10.44%13.61%Beats 30%530 / 755
Net Interest Margin4.14%3.15%3.68%4.17%Beats 73%201 / 755
Efficiency Ratio74.17%55.75%64.78%75.61%Beats 28%547 / 755
Asset Quality
Nonperforming Loans / Loans0.36%0.09%0.42%1.05%Beats 55%342 / 751
Net Charge-Offs / Loans0.07%0.00%0.01%0.05%Beats 20%603 / 751
Capital
Tier 1 Capital Ratio11.69%11.56%13.81%17.74%Beats 26%557 / 755
Total Risk-Based Capital Ratio11.69%11.72%14.46%18.53%Beats 24%571 / 755
Equity / Assets11.76%8.93%10.56%13.13%Beats 65%265 / 755
Liquidity & Funding
Loans / Deposits94.80%62.43%78.62%91.00%83rd pctl131 / 755
Loans / Assets82.71%54.70%67.27%76.55%91st pctl69 / 755
Brokered Deposits / Depositsn/aNot reported for this institution