MCS Bank
Milroy, PA · Cert 28186 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
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 204 of 752).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets operating in a single state (rank 602 of 748).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.86%
Rank 490 of 752
Net Interest Margin
4.14%
Rank 204 of 752
Efficiency Ratio
74.17%
Rank 547 of 752
Equity / Assets
11.76%
Rank 265 of 752
Non-interest income vs. expense
Unfavorable gap of $6.3M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.72% | 1.07% | 1.45% | Beats 35% | 490 / 752 | |
| Return on Equity | 7.28% | 6.78% | 10.58% | 13.65% | Beats 29% | 536 / 752 | |
| Net Interest Margin | 4.14% | 3.18% | 3.69% | 4.17% | Beats 73% | 204 / 752 | |
| Efficiency Ratio | 74.17% | 55.75% | 64.49% | 75.47% | Beats 27% | 547 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.03% | Beats 55% | 341 / 748 | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 602 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 11.69% | 11.55% | 13.75% | 17.60% | Beats 27% | 552 / 752 | |
| Total Risk-Based Capital Ratio | 11.69% | 11.70% | 14.33% | 18.47% | Beats 25% | 566 / 752 | |
| Equity / Assets | 11.76% | 8.93% | 10.56% | 13.13% | Beats 65% | 265 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 94.80% | 62.23% | 78.64% | 91.26% | 82nd pctl | 132 / 752 | |
| Loans / Assets | 82.71% | 54.61% | 67.41% | 76.47% | 90th pctl | 72 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |