|
 |
|
|
 Mercer County State Bank
Mercer County State Bank
| RSSD ID 866121 | CERTIFICATE 445 | ABA NUMBER 43313259 |
| 3279 South Main Street |
Quarter Ended : |
2025-12-31 |
| Sandy Lake, Pennsylvania, 16145 |
Updated : |
2026-01-22 |
| www.mcsbank.bank |
|
| 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 |
|
| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
12 |
Number of Employees : |
111 |
|
|
|
|
|
|
| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
|
Income Statement
(USD, in thousands, ytd) |
| Total Assets | 597,479 |
|
Total Interest Income | 28,476 |
| Total Liabilities | 550,248 |
|
Total NonInterest Income | 3,801 |
| Total Bank Equity Capital | 47,231 |
|
Total Interest Expense | 8,292 |
| Total Deposits | 516,580 |
|
Total NonInterest Expense | 16,434 |
| Net Loans & Leases | 386,398 |
|
Net Income | 5,750 |
| Loan Loss Allowance | 4,505 |
|
Net Charge Offs | 197 |
|
|
|
| Regulatory Capital |
|
Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
|
Total loans | 389,724 |
| Total assets for the leverage ratio | 601,798 |
|
Loans secured by real estate: | 330,636 |
| Tier 1 Leverage Ratio | 10.15 |
|
Commercial and industrial loans | 46,805 |
| Off Balance Sheet Exposures (%) | 10.41 |
|
Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
|
Loans to individuals - Other | 2,359 |
|
|
|
|
:· Mercer County State Bank
