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MCS Bank

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

Designations: ✓ Mutual

Milroy, PA

10 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

MCS Bank has 2 strengths but faces 2 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 0.57% above tier average
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.51% below tier average
  • - Efficiency Ratio 9.25% above tier average
Get updates when MCS Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $223.4M
+7.1% YoY +4.7% QoQ
-$162.7M $386.1M
+0.5% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
32%
Total Loans ? $183.2M
+8.7% YoY +2.7% QoQ
-$72.5M $255.7M
+1.1% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
45%
Total Deposits ? $190.0M
+3.9% YoY +5.5% QoQ
-$138.0M $328.0M
+0.1% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
32%
Return on Assets ? 0.76%
+25.0% YoY -5.3% QoQ
-0.51% 1.27%
+12.9% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
24%
Net Interest Margin ? 4.50%
+12.8% YoY +5.0% QoQ
+0.57% 3.93%
+6.0% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
82%
Efficiency Ratio ? 74.53%
-0.4% YoY +2.5% QoQ
+9.25% 65.29%
-4.5% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
23%
Delinquency Rate ? 0.47%
-36.1% YoY -15.7% QoQ
-0.42% 0.89%
+18.8% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
47%
Loan-to-Deposit Ratio ? 96.42%
+4.6% YoY -2.7% QoQ
+19.78% 76.64%
+0.8% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
Bottom 13.2% in tier
Non-Interest-Bearing Deposit Share ? 17.33%
+5.0% YoY -1.5% QoQ
-4.68% 22.02%
-1.0% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
33%
Nonperforming Asset Ratio ? 0.39%
-35.1% YoY -17.4% QoQ
-0.25% 0.64%
+19.7% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
44%
Tier 1 Capital Ratio ? 11.76%
+3.0% YoY -0.2% QoQ
-4.07% 15.83%
+1.5% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.25%
-16.0% YoY -77.6% QoQ
-0.03% 0.28%
+9.3% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
Top 8.7% in tier

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 (0)

No matched concern signatures this quarter

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

232
Non-Interest Income / Assets
revenue_mix
Value: 0.25%
Peer Median: 0.28%
#232 of 2664 Top 8.7% in $100M-$1B
480
Net Interest Margin
profitability
Value: 4.50%
Peer Median: 3.93%
#480 of 2664 Top 18.0% in $100M-$1B

Top Weaknesses (3 metrics)

2313
Loan-to-Deposit Ratio
liquidity
Value: 96.42%
Peer Median: 76.64%
#2313 of 2664 Bottom 13.2% in $100M-$1B
2048
Efficiency Ratio
profitability
Value: 74.53%
Peer Median: 65.29%
#2048 of 2664 Bottom 23.2% in $100M-$1B
2030
Return on Assets
profitability
Value: 0.76%
Peer Median: 1.27%
#2030 of 2664 Bottom 23.8% in $100M-$1B
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