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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 0.97%, up 16 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.36% of loans (-37 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

0.97%+16 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+42 bps YoY

Efficiency Ratio (quarter, annualized)

72.17%+202 bps YoY

Tier 1 Leverage Ratio

11.69%0 bps YoY

NIM

4.69%Q2 ’245.20%Q2 ’255.48%Q2 ’26+13%+11%

Non-interest income vs. expense

3.52%Q2 ’243.64%Q2 ’253.92%Q2 ’26-11%+19%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%0.54%0.61%0.81%1.02%0.78%0.76%0.97%+16 bps
Return on Equity11.93%4.79%5.36%7.03%8.65%6.49%6.48%8.36%+133 bps
Net Interest Margin4.04%3.67%3.65%3.83%4.15%4.06%4.15%4.25%+42 bps
Efficiency Ratio61.96%79.72%74.80%70.15%67.52%78.45%74.53%72.17%+202 bps
Non-Interest Burden1.94%2.74%2.46%2.33%2.50%3.00%2.86%2.79%+45 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 / Loans0.43%0.71%0.33%0.21%0.10%0.38%0.09%-0.01%-22 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