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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.72% | 1.06% | 1.45% | Beats 35% | 490 / 755 | | |
| Return on Equity | 7.28% | 6.66% | 10.44% | 13.61% | Beats 30% | 530 / 755 | | |
| Net Interest Margin | 4.14% | 3.15% | 3.68% | 4.17% | Beats 73% | 201 / 755 | | |
| Efficiency Ratio | 74.17% | 55.75% | 64.78% | 75.61% | Beats 28% | 547 / 755 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.42% | 1.05% | Beats 55% | 342 / 751 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 20% | 603 / 751 | | |
| Capital |
| Tier 1 Capital Ratio | 11.69% | 11.56% | 13.81% | 17.74% | Beats 26% | 557 / 755 | | |
| Total Risk-Based Capital Ratio | 11.69% | 11.72% | 14.46% | 18.53% | Beats 24% | 571 / 755 | | |
| Equity / Assets | 11.76% | 8.93% | 10.56% | 13.13% | Beats 65% | 265 / 755 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.80% | 62.43% | 78.62% | 91.00% | 83rd pctl | 131 / 755 | | |
| Loans / Assets | 82.71% | 54.70% | 67.27% | 76.55% | 91st pctl | 69 / 755 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |