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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=570 to 617). 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

60

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

54

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 2026-10-11

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 $2.1MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $374.9M29%Noninterest $155.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.93%0.79%0.82%0.85%0.96%1.07%1.09%+27 bps
Return on Equity13.46%13.73%11.49%12.00%12.06%13.34%13.52%13.89%+189 bps
Net Interest Margin3.02%3.05%3.13%3.21%3.23%3.35%3.49%3.53%+32 bps
Efficiency Ratio69.84%69.55%73.66%67.32%68.56%68.52%66.88%66.56%-76 bps
Non-Interest Burden1.92%1.92%2.15%1.95%2.01%2.09%2.12%2.14%+19 bps
Growth
Asset Growth (YoY)5.81%4.11%3.84%4.00%3.66%2.31%2.76%0.73%-326 bps
Loan Growth (YoY)7.76%8.60%6.26%1.56%1.36%0.17%2.23%3.24%+168 bps
Deposit Growth (YoY)0.22%1.70%1.67%6.92%6.18%5.07%5.64%0.28%-664 bps
Asset Quality
Nonperforming Loans / Loans2.52%1.89%1.33%1.90%1.50%1.99%2.24%2.42%+53 bps
Net Charge-Offs / Loans0.01%0.01%0.05%0.04%0.05%0.05%0.09%0.04%0 bps
Allowance / Loans1.02%1.03%1.05%1.22%1.24%1.15%1.14%1.15%-7 bps
Allowance Coverage of NPLs0.4x0.5x0.8x0.6x0.8x0.6x0.5x0.5x-0.2x
Capital
Tier 1 Leverage Ratio9.99%9.90%10.05%9.94%10.08%10.15%10.46%10.27%+33 bps
Total Risk-Based Capital15.10%14.42%10.05%9.94%10.08%10.15%10.46%10.27%+33 bps
Equity / Assets7.48%6.63%7.11%6.85%7.62%7.91%7.88%7.85%+100 bps
Liquidity & Funding
Loans / Deposits76.96%79.40%77.77%74.38%73.46%75.69%75.26%76.57%+219 bps
Liquid Assets / Assets0.14%0.20%0.61%2.59%3.40%0.85%1.43%1.72%-87 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Mercer County State Bank

Sandy Lake, PA · Cert 445 · Peer group: banks under $1B in assets (n=570-617) · 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 137 of 617).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets (rank 551 of 617).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.08%

Rank 285 of 617

Net Interest Margin

3.53%

Rank 312 of 617

Efficiency Ratio

66.56%

Rank 282 of 617

Equity / Assets

7.85%

Rank 551 of 617

Non-interest income vs. expense

$3.8M$16.8MINCOMEEXPENSE
Unfavorable gap of $13.0M · efficiency ratio beats 54% of banks under $1B in assets
Bank 66.56%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.08%0.60%1.01%1.45%Beats 54%285 / 617
Return on Equity13.77%5.30%9.43%13.30%Beats 78%137 / 617
Net Interest Margin3.53%3.04%3.54%4.05%Beats 49%312 / 617
Efficiency Ratio66.56%58.03%67.76%79.08%Beats 54%282 / 617
Asset Quality
Nonperforming Loans / Loans2.42%0.09%0.47%1.27%Beats 11%509 / 570
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 35%372 / 570
Capital
Tier 1 Capital Ratio10.27%11.18%13.83%18.55%Beats 14%528 / 617
Total Risk-Based Capital Ratio10.27%11.56%14.39%19.39%Beats 13%537 / 617
Equity / Assets7.85%9.03%10.55%13.63%Beats 11%551 / 617
Liquidity & Funding
Loans / Deposits76.57%64.77%79.70%93.06%45th pctl321 / 582
Loans / Assets66.43%51.70%67.18%77.51%49th pctl315 / 617
Brokered Deposits / Depositsn/aNot reported for this institution