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
Unfavorable gap of $13.0M · efficiency ratio beats 55% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.60% | 1.00% | 1.45% | Beats 55% | 279 / 620 | |
| Return on Equity | 13.77% | 5.30% | 9.30% | 13.29% | Beats 78% | 136 / 620 | |
| Net Interest Margin | 3.53% | 3.02% | 3.53% | 4.04% | Beats 51% | 306 / 620 | |
| Efficiency Ratio | 66.56% | 58.35% | 68.08% | 79.37% | Beats 55% | 279 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.42% | 0.09% | 0.47% | 1.27% | Beats 11% | 509 / 573 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 35% | 371 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 10.27% | 11.27% | 13.87% | 18.78% | Beats 14% | 532 / 620 | |
| Total Risk-Based Capital Ratio | 10.27% | 11.69% | 14.57% | 19.67% | Beats 13% | 541 / 620 | |
| Equity / Assets | 7.85% | 9.03% | 10.60% | 13.73% | Beats 11% | 553 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 76.57% | 65.08% | 79.69% | 92.47% | 45th pctl | 323 / 585 | |
| Loans / Assets | 66.43% | 51.85% | 67.17% | 77.86% | 49th pctl | 316 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |