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 Mercer County State Bank
Mercer County State Bank
| RSSD ID 866121 | CERTIFICATE 445 | ABA NUMBER 43313259 |
| 3279 South Main Street |
Quarter Ended : |
2025-09-30 |
| Sandy Lake, Pennsylvania, 16145 |
Updated : |
2025-10-28 |
| 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 : |
111 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 607,382 |
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Total Interest Income | 20,982 |
| Total Liabilities | 561,098 |
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Total NonInterest Income | 2,815 |
| Total Bank Equity Capital | 46,284 |
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Total Interest Expense | 6,284 |
| Total Deposits | 530,761 |
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Total NonInterest Expense | 12,007 |
| Net Loans & Leases | 384,953 |
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Net Income | 3,803 |
| Loan Loss Allowance | 4,840 |
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Net Charge Offs | 157 |
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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 | 391,835 |
| Total assets for the leverage ratio | 606,927 |
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Loans secured by real estate: | 330,036 |
| Tier 1 Leverage Ratio | 10.08 |
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Commercial and industrial loans | 49,230 |
| Off Balance Sheet Exposures (%) | 10.12 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,451 |
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:· Mercer County State Bank
