Sandy Lake, PA · Cert 445 · Mercer County State Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #46 of 48 inst. · $0.0B of $209.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.93% | 0.79% | 0.82% | 0.85% | 0.96% | 1.07% | 1.09% | +27 bps | |
| Return on Equity | 13.46% | 13.73% | 11.49% | 12.00% | 12.06% | 13.34% | 13.52% | 13.89% | +189 bps | |
| Net Interest Margin | 3.02% | 3.05% | 3.13% | 3.21% | 3.23% | 3.35% | 3.49% | 3.53% | +32 bps | |
| Efficiency Ratio | 69.84% | 69.55% | 73.66% | 67.32% | 68.56% | 68.52% | 66.88% | 66.56% | -76 bps | |
| Non-Interest Burden | 1.92% | 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 / Loans | 2.52% | 1.89% | 1.33% | 1.90% | 1.50% | 1.99% | 2.24% | 2.42% | +53 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.05% | 0.04% | 0.05% | 0.05% | 0.09% | 0.04% | 0 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.05% | 1.22% | 1.24% | 1.15% | 1.14% | 1.15% | -7 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.8x | 0.6x | 0.8x | 0.6x | 0.5x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.99% | 9.90% | 10.05% | 9.94% | 10.08% | 10.15% | 10.46% | 10.27% | +33 bps | |
| Total Risk-Based Capital | 15.10% | 14.42% | 10.05% | 9.94% | 10.08% | 10.15% | 10.46% | 10.27% | +33 bps | |
| Equity / Assets | 7.48% | 6.63% | 7.11% | 6.85% | 7.62% | 7.91% | 7.88% | 7.85% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.96% | 79.40% | 77.77% | 74.38% | 73.46% | 75.69% | 75.26% | 76.57% | +219 bps | |
| Liquid Assets / Assets | 0.14% | 0.20% | 0.61% | 2.59% | 3.40% | 0.85% | 1.43% | 1.72% | -87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 334% | 344% | 344% | n/a | n/a | |