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 Mercer County State Bank
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Mercer County State Bank
| RSSD ID 866121 | CERTIFICATE 445 | ABA NUMBER 43313259 |
| 3279 South Main Street |
Quarter Ended : |
2026-03-31 |
| Sandy Lake, Pennsylvania, 16145 |
Updated : |
2026-04-27 |
| www.mcsbank.bank |
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| Institution Profile |
| Year Opened : |
1911 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
12 |
Number of Employees : |
108 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 601,730 |
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Total Interest Income | 7,157 |
| Total Liabilities | 554,316 |
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Total NonInterest Income | 939 |
| Total Bank Equity Capital | 47,414 |
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Total Interest Expense | 1,921 |
| Total Deposits | 527,393 |
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Total NonInterest Expense | 4,130 |
| Net Loans & Leases | 392,366 |
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Net Income | 1,599 |
| Loan Loss Allowance | 4,533 |
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Net Charge Offs | 92 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 396,141 |
| Total assets for the leverage ratio | 599,390 |
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Loans secured by real estate: | 337,725 |
| Tier 1 Leverage Ratio | 10.46 |
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Commercial and industrial loans | 46,811 |
| Off Balance Sheet Exposures (%) | 10.14 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,183 |
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:· Mercer County State Bank
