MCS Bank
Milroy, PA · Cert 28186 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 7 branches
Q2 2026
$224.7MAssets
$185.8MLoans
$196.1MDeposits
$26.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 74% of banks under $1B in assets operating in a single state (rank 194 of 746).
- Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets operating in a single state (rank 603 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.86%
Rank 482 of 746
Net Interest Margin
4.14%
Rank 194 of 746
Efficiency Ratio
74.17%
Rank 541 of 746
Equity / Assets
11.76%
Rank 254 of 746
Non-interest income vs. expense
Unfavorable gap of $6.3M · efficiency ratio beats 28% 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% | 1.06% | 1.45% | Beats 35% | 482 / 746 | |
| Return on Equity | 7.28% | 6.74% | 10.51% | 13.63% | Beats 29% | 529 / 746 | |
| Net Interest Margin | 4.14% | 3.17% | 3.68% | 4.16% | Beats 74% | 194 / 746 | |
| Efficiency Ratio | 74.17% | 55.74% | 64.58% | 75.47% | Beats 28% | 541 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.07% | Beats 56% | 330 / 743 | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 19% | 603 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.69% | 11.55% | 13.75% | 17.60% | Beats 26% | 549 / 746 | |
| Total Risk-Based Capital Ratio | 11.69% | 11.71% | 14.33% | 18.43% | Beats 25% | 563 / 746 | |
| Equity / Assets | 11.76% | 8.90% | 10.51% | 13.06% | Beats 66% | 254 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 94.80% | 61.31% | 78.27% | 90.78% | 83rd pctl | 124 / 746 | |
| Loans / Assets | 82.71% | 53.60% | 66.97% | 76.08% | 91st pctl | 67 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |