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
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% | 285 / 617 | | |
| Return on Equity | 13.77% | 5.30% | 9.43% | 13.30% | Beats 78% | 137 / 617 | | |
| Net Interest Margin | 3.53% | 3.04% | 3.54% | 4.05% | Beats 49% | 312 / 617 | | |
| Efficiency Ratio | 66.56% | 58.03% | 67.76% | 79.08% | Beats 54% | 282 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.42% | 0.09% | 0.47% | 1.27% | Beats 11% | 509 / 570 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 35% | 372 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 10.27% | 11.18% | 13.83% | 18.55% | Beats 14% | 528 / 617 | | |
| Total Risk-Based Capital Ratio | 10.27% | 11.56% | 14.39% | 19.39% | Beats 13% | 537 / 617 | | |
| Equity / Assets | 7.85% | 9.03% | 10.55% | 13.63% | Beats 11% | 551 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.57% | 64.77% | 79.70% | 93.06% | 45th pctl | 321 / 582 | | |
| Loans / Assets | 66.43% | 51.70% | 67.18% | 77.51% | 49th pctl | 315 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |