MCS Bank
Milroy, PA
IDRSSD: 757779
Total Assets
$209.22M
Latest filing
Total Deposits
$179.20M
Latest filing
Net Interest Margin
4.54%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
MCS Bank
100 Commerce Dr
Milroy, PA 17063
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1923FDIC Certificate 41020
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| MCS Bank (Main) | 100 Commerce Dr | Milroy, PA |
| BELLEVILLE BRANCH | 4009 E Main St | Belleville, PA |
| MOUNT UNION BRANCH | 23 E Shirley St | Mount Union, PA |
| MCCLURE BRANCH | 1 East Specht Street | Mcclure, PA |
| LOAN CENTER BRANCH | 101 E Market St | Lewistown, PA |
| ALLENSVILLE BRANCH | 108 E Main St | Allensville, PA |
| MCS BANK-MOBILE COURIER PICKUP BRANCH | 4009 E Main St | Belleville, PA |
| MCS BANK-DEPOSITORY PICK-UP SERVICE | 4009 E Main St | Belleville, PA |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1923 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 17063 |
| State and County Number | 42087 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 03 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Lewistown, PA |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | WWW.MCS.BANK |
| Data Updated | 11/14/2025 |
| CERT | 28186 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $209.22M |
| Total Deposits | $179.20M |
| Total Liabilities | $184.16M |
| Total Equity Capital | $25.06M |
| Net Income | $534.00k |
| Net Loans and Leases | $174.80M |
| Assets Per Employee ($Millions) | $4.02M |
| Bank Premises and Fixed Assets | $6.41M |
| Cash and Balances due from Depository Institutions | $7.36M |
| Deposits Held in Domestic Offices | $179.20M |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 8.65% |
| Net Interest Margin | 4.54% |
| Efficiency Ratio | 67.52% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.976% |
| Earning Assets to total Assets | 91.93% |
Income and Expense
| Total Interest Income | $2.84M |
| Total Noninterest Income | $551.00k |
| Total Interest Expense | $661.00k |
| Total Noninterest Expense | $1.87M |
| Net Interest Income | $2.18M |
| Pre-tax Net Operating Income | $729.00k |
| Provision for Credit Losses | $134.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.66M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.30M |
| Total Liabilities and Capital | $209.22M |
Securities
| Securities | $11.76M |
| Available-for-sale debt securities | $11.76M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of MCS Bank?
$209.22M as of the latest filing.
How much are MCS Bank's total deposits?
$179.20M in total deposits.
Where is MCS Bank located?
Milroy, PA.
What is the Net Interest Margin?
4.54%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1923.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$174.80M (latest filing).
What is the total interest income (latest filing)?
$2.84M.