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Mercer County State Bank

$100M-$1B Specialty: Commercial PA FDIC cert 445

Sandy Lake, PA

12 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 +0.3% year over year ($530.3M on the books).
  • Delinquency rate 2.45%.
  • Return on assets 1.09%.
  • Efficiency ratio 66.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.69% 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) →

Mercer County State Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 18.5% in tier
  • - Credit Risk Growth: Bottom 38.1% in tier
  • - Flatlined Growth: Bottom 47.1% in tier
  • - ROA 0.23% below tier average
  • - Net Interest Margin 0.11% below tier average
  • - Efficiency Ratio 2.08% above tier average
Get updates when Mercer County State 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 ? $611.3M
+0.7% YoY +1.6% QoQ
+$224.7M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $401.4M
+3.3% YoY +2.3% QoQ
+$143.1M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $530.3M
+0.3% YoY +0.6% QoQ
+$203.6M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 1.09%
+32.8% YoY +2.6% QoQ
-0.23% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 3.87%
+8.8% YoY +1.8% QoQ
-0.11% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 66.56%
-1.1% YoY -0.5% QoQ
+2.08% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 2.45%
+27.6% YoY +8.1% QoQ
+1.53% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Bottom 9.0% in tier
Loan-to-Deposit Ratio ? 75.69%
+3.0% YoY +1.7% QoQ
-2.26% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 29.32%
+7.0% YoY +8.5% QoQ
+7.28% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 1.62%
+31.6% YoY +9.5% QoQ
+0.95% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Bottom 10.6% in tier
Tier 1 Capital Ratio ? 10.27%
+3.3% YoY -1.8% QoQ
-5.64% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 13.9% in tier
Non-Interest Income / Assets ? 0.31%
-1.0% YoY +96.6% QoQ
-0.26% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
73%

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 29.3%
+1.9pp YoY
+2.3pp QoQ
 +7.2pp 22.1% 18.7% 22.2% 80%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 11.4%
-0.7pp YoY
-0.6pp QoQ
 -0.2pp 11.6% 8.6% 12.5% 60%
CRE 56.4%
+3.0pp YoY
+1.4pp QoQ
 +16.8pp 39.5% 37.9% 41.4% 80%
1-4 Family 26.7%
-2.1pp YoY
-0.9pp QoQ
 -5.9pp 32.6% 47.8% 31.3% 44%
Consumer 0.5%
-0.1pp YoY
0.0pp QoQ
 -3.6pp 4.1% 3.8% 5.0% 17%

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 10.3%
+0.3pp YoY
-0.2pp QoQ
 -1.9pp 12.2% 13.2% 12.6% 37%
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 111
+5 (+4.7%) YoY
+3 (+2.8%) QoQ
 +52 58 299 482 90%
Assets per Employee ($) $5.5M
-3.8% YoY
-1.2% QoQ
 -$2.0M $7.5M $9.2M $8.8M 23%
Branch Count 12
0 YoY
0 QoQ
 +7 4 20 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.2pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 66%
Nonaccrual 2.2%
+0.8pp YoY
+0.3pp QoQ
 +1.3pp 0.9% 0.9% 1.0% 90%
Allowance Coverage 0.47x
-26.4% YoY
-6.9% QoQ
 -23.68x 24.15x 3.63x 20.23x 9%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 13.9%
+1.9pp YoY
+0.4pp QoQ
 +1.7pp 12.2% 10.2% 11.6% 61%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 27%
Net Income ($, YTD) $3.3M
+35.4% YoY
— QoQ
 +$748K $2.6M $18.2M $40.4M 73%

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 (3)

Capital Thin

risk
#123 of 661 • Bottom 18.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.27%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Risk Growth

risk
#358 of 936 • Bottom 38.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#250 of 529 • Bottom 47.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.09%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

462
Total Deposits
size
Value: $530.33M
Peer Median: $326.73M
#462 of 2643 Top 17.4% in $100M-$1B
499
Total Assets
size
Value: $611.25M
Peer Median: $386.57M
#499 of 2643 Top 18.8% in $100M-$1B
528
Non-Interest-Bearing Deposit Share
funding
Value: 29.32%
Peer Median: 22.03%
#528 of 2643 Top 19.9% in $100M-$1B
543
Total Loans
size
Value: $401.41M
Peer Median: $258.35M
#543 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (3 metrics)

2396
Delinquency Rate
credit_quality
Value: 2.45%
Peer Median: 0.92%
#2396 of 2633 Bottom 9.0% in $100M-$1B
2365
Nonperforming Asset Ratio
credit_quality
Value: 1.62%
Peer Median: 0.67%
#2365 of 2643 Bottom 10.6% in $100M-$1B
2277
Tier 1 Capital Ratio
capital
Value: 10.27%
Peer Median: 15.91%
#2277 of 2643 Bottom 13.9% in $100M-$1B
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