BlastPoint's Banking Scorecard

MCS Bank

$100M-$1B Specialty: Commercial PA FDIC cert 28186

Designations: ✓ Mutual

Milroy, PA

10 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
Deposits +8.5% year over year ($196.1M on the books).
Delinquency rate 0.36%.
Return on assets 0.87%.
Efficiency ratio 73.32% vs a 64.48% peer average.
Loan-to-deposit ratio 93.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

MCS Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.58% above tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 42.1% in tier
- ROA 0.45% below tier average
- Efficiency Ratio 8.84% above tier average

Get updates when MCS Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$224.7M +7.5% YoY +0.6% QoQ	-$161.9M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$183.6M +7.9% YoY +0.2% QoQ	-$74.7M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$196.1M +8.5% YoY +3.2% QoQ	-$130.7M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	0.87% +22.7% YoY +14.5% QoQ	-0.45%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	4.57% +12.2% YoY +1.6% QoQ	+0.58%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	73.32% +1.2% YoY -1.6% QoQ	+8.84%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	0.36% -51.1% YoY -23.3% QoQ	-0.56%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	93.66% -0.5% YoY -2.9% QoQ	+15.71%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	19.00% +13.3% YoY +9.6% QoQ	-3.03%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	0.30% -51.0% YoY -23.5% QoQ	-0.37%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	11.69% -0.0% YoY -0.7% QoQ	-4.22%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.54% -14.8% YoY +110.9% QoQ	-0.03%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Top 8.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	19.0% +2.2pp YoY +1.7pp QoQ	-3.1pp	22.1%	18.7%	22.2%	40%
Brokered Deposits	2.3% +0.6pp YoY -0.1pp QoQ	-5.5pp	7.9%	6.8%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	8.0% -0.9pp YoY -0.5pp QoQ	-3.6pp	11.6%	8.6%	12.5%	40%
CRE	31.9% +0.4pp YoY +0.2pp QoQ	-7.6pp	39.5%	37.9%	41.4%	38%
1-4 Family	56.4% +1.0pp YoY +1.8pp QoQ	+23.7pp	32.6%	47.8%	31.3%	87%
Consumer	3.7% -0.6pp YoY 0.0pp QoQ	-0.4pp	4.1%	3.8%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.3%	19.7%	n/a
Leverage Ratio	11.7% 0.0pp YoY -0.1pp QoQ	-0.5pp	12.2%	13.2%	12.6%	61%
Total Capital Ratio	n/a	n/a	19.9%	23.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	58 +6 (+11.5%) YoY +5 (+9.4%) QoQ	-1	58	299	482	61%
Assets per Employee ($)	$3.9M -3.6% YoY -8.1% QoQ	-$3.6M	$7.5M	$9.2M	$8.8M	4%
Branch Count	10 0 YoY 0 QoQ	+5	4	20	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.2%	0.4%	25%
Nonaccrual	0.3% -0.4pp YoY -0.1pp QoQ	-0.6pp	0.9%	0.9%	1.0%	42%
Allowance Coverage	3.36x +104.4% YoY +35.0% QoQ	-20.79x	24.15x	3.63x	20.23x	61%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	65%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	7.4% +1.2pp YoY +0.9pp QoQ	-4.8pp	12.2%	10.2%	11.6%	22%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	28%
Net Income ($, YTD)	$962,000 +29.8% YoY — QoQ	-$1.6M	$2.6M	$18.2M	$40.4M	25%

Get Full Access to MCS Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#292 of 691 • Bottom 42.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.66%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

224

Non-Interest Income / Assets

revenue_mix

Value: 0.54%

Peer Median: 0.57%

#224 of 2643 Top 8.4% in $100M-$1B

476

Net Interest Margin

profitability

Value: 4.57%

Peer Median: 3.99%

#476 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (2 metrics)

2147

Loan-to-Deposit Ratio

liquidity

Value: 93.66%

Peer Median: 77.95%

#2147 of 2643 Bottom 18.8% in $100M-$1B

2033

Efficiency Ratio

profitability

Value: 73.32%

Peer Median: 64.48%

#2033 of 2643 Bottom 23.1% in $100M-$1B