Mercer County State Bank
Sandy Lake, PA · Cert 445 · Peer group: banks under $1B in assets (n=581-629) · 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 140 of 629).
- Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets (rank 522 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.08%
Rank 290 of 629
Net Interest Margin
3.53%
Rank 316 of 629
Efficiency Ratio
66.56%
Rank 288 of 629
Equity / Assets
7.85%
Rank 562 of 629
Non-interest income vs. expense
Unfavorable gap of $13.0M · efficiency ratio beats 54% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.60% | 1.01% | 1.45% | Beats 54% | 290 / 629 | | |
| Return on Equity | 13.77% | 5.38% | 9.30% | 13.28% | Beats 78% | 140 / 629 | | |
| Net Interest Margin | 3.53% | 3.03% | 3.54% | 4.05% | Beats 50% | 316 / 629 | | |
| Efficiency Ratio | 66.56% | 58.35% | 67.79% | 79.08% | Beats 54% | 288 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.42% | 0.09% | 0.46% | 1.20% | Beats 10% | 522 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 37% | 368 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.27% | 11.24% | 13.84% | 18.77% | Beats 14% | 540 / 629 | | |
| Total Risk-Based Capital Ratio | 10.27% | 11.58% | 14.43% | 19.66% | Beats 13% | 550 / 629 | | |
| Equity / Assets | 7.85% | 9.09% | 10.65% | 13.80% | Beats 11% | 562 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.57% | 67.24% | 80.90% | 93.48% | 43rd pctl | 338 / 594 | | |
| Loans / Assets | 66.43% | 53.31% | 67.71% | 78.15% | 47th pctl | 331 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |