BlastPoint's Banking Scorecard
Mercer County State Bank
Sandy Lake, PA
12 branches across PA
Mercer County State Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 34.2% in tier
- - Delinquency Rate 1.38% above tier average
- - ROA 0.20% below tier average
- - Net Interest Margin 0.12% below tier average
- - Efficiency Ratio 1.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$601.7M
+2.8% YoY
+0.7% QoQ
|
+$215.6M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$392.4M
+2.1% YoY
+1.5% QoQ
|
+$136.7M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$527.4M
+5.6% YoY
+2.1% QoQ
|
+$199.4M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
1.07%
+35.1% YoY
+10.6% QoQ
|
-0.20% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.81%
+8.0% YoY
+3.0% QoQ
|
-0.12% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
66.88%
-9.2% YoY
-2.4% QoQ
|
+1.60% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
2.27%
+68.2% YoY
+12.7% QoQ
|
+1.38% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.0% in tier |
| Loan-to-Deposit Ratio ? |
74.40%
-3.3% YoY
-0.6% QoQ
|
-2.24% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
27.02%
-5.8% YoY
+0.4% QoQ
|
+5.00% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.48%
+67.2% YoY
+13.6% QoQ
|
+0.84% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.7% in tier |
| Tier 1 Capital Ratio ? |
10.46%
+4.1% YoY
+3.0% QoQ
|
-5.37% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.16%
+8.3% YoY
-75.5% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.