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Mercer County State Bank

Sandy Lake, PA · Cert 445 · Mercer County State Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=573 to 620). 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

55

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 2026-10-10

Mercer County State Bank

Sandy Lake, PA · Cert 445 · Mercer County State Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$611.3MAssets
$406.1MLoans
$530.3MDeposits
$48.0MEquity
Loan mix
87%RE $340.7M12%C&I $47.1M1%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $374.9M29%Noninterest $155.5MQ2 2025Q2 2026

NIM

4.25%Q2 ’244.56%Q2 ’254.76%Q2 ’26+7%+10%

Non-interest income vs. expense

2.53%Q2 ’242.57%Q2 ’252.75%Q2 ’26+2%+10%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #46 of 48 inst. · $0.0B of $209.3B

13.2% Mercer
6.9% Crawford
2.8% Venango
0.2% Butler

Executive Summary

  • Earnings: ROA of 1.09%, up 27 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 2.42% of loans (+53 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.27%, up 33 bps from a year ago.
  • Funding: loans stand at 76.57% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+32 bps YoY

Efficiency Ratio (YTD, annualized)

66.56%-76 bps YoY

Tier 1 Leverage Ratio

10.27%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.85%0.96%1.07%1.09%+27 bps
Return on Equity12.00%12.06%13.34%13.52%13.89%+189 bps
Net Interest Margin3.21%3.23%3.35%3.49%3.53%+32 bps
Efficiency Ratio67.32%68.56%68.52%66.88%66.56%-76 bps
Non-Interest Burden1.95%2.01%2.09%2.12%2.14%+19 bps
Growth
Asset Growth (YoY)4.00%3.66%2.31%2.76%0.73%-326 bps
Loan Growth (YoY)1.56%1.36%0.17%2.23%3.24%+168 bps
Deposit Growth (YoY)6.92%6.18%5.07%5.64%0.28%-664 bps
Asset Quality
Nonperforming Loans / Loans1.90%1.50%1.99%2.24%2.42%+53 bps
Net Charge-Offs / Loans0.04%0.05%0.05%0.09%0.04%0 bps
Allowance / Loans1.22%1.24%1.15%1.14%1.15%-7 bps
Allowance Coverage of NPLs0.6x0.8x0.6x0.5x0.5x-0.2x
Capital
Tier 1 Leverage Ratio9.94%10.08%10.15%10.46%10.27%+33 bps
Total Risk-Based Capital9.94%10.08%10.15%10.46%10.27%+33 bps
Equity / Assets6.85%7.62%7.91%7.88%7.85%+100 bps
Liquidity & Funding
Loans / Deposits74.38%73.46%75.69%75.26%76.57%+219 bps
Liquid Assets / Assets2.59%3.40%0.85%1.43%1.72%-87 bps
CRE / Total Capitaln/a334%344%344%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 2026-10-10

Mercer County State Bank

Sandy Lake, PA · Cert 445 · Peer group: banks under $1B in assets (n=573-620) · Mercer County State Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$611.3MAssets
$406.1MLoans
$530.3MDeposits
$48.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 78% of banks under $1B in assets (rank 136 of 620).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets (rank 553 of 620).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.08%

Rank 279 of 620

Net Interest Margin

3.53%

Rank 306 of 620

Efficiency Ratio

66.56%

Rank 279 of 620

Equity / Assets

7.85%

Rank 553 of 620

Non-interest income vs. expense

$3.8M$16.8MINCOMEEXPENSE
Unfavorable gap of $13.0M · efficiency ratio beats 55% of banks under $1B in assets
Bank 66.56%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.60%1.00%1.45%Beats 55%279 / 620
Return on Equity13.77%5.30%9.30%13.29%Beats 78%136 / 620
Net Interest Margin3.53%3.02%3.53%4.04%Beats 51%306 / 620
Efficiency Ratio66.56%58.35%68.08%79.37%Beats 55%279 / 620
Asset Quality
Nonperforming Loans / Loans2.42%0.09%0.47%1.27%Beats 11%509 / 573
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 35%371 / 573
Capital
Tier 1 Capital Ratio10.27%11.27%13.87%18.78%Beats 14%532 / 620
Total Risk-Based Capital Ratio10.27%11.69%14.57%19.67%Beats 13%541 / 620
Equity / Assets7.85%9.03%10.60%13.73%Beats 11%553 / 620
Liquidity & Funding
Loans / Deposits76.57%65.08%79.69%92.47%45th pctl323 / 585
Loans / Assets66.43%51.85%67.17%77.86%49th pctl316 / 620
Brokered Deposits / Depositsn/aNot reported for this institution