Mercer County State Bank
Sandy Lake, PA
IDRSSD: 866121
Total Assets
$597.48M
Latest filing
Total Deposits
$516.58M
Latest filing
Net Interest Margin
3.97%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Mercer County State Bank
3279 South Main Street
Sandy Lake, PA 16145
Limited Service - Administrative
Updated 01/30/2026Established 06/20/1911FDIC Certificate 342
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Mercer County State Bank (Main) | 3279 South Main Street | Sandy Lake, PA |
| SANDY LAKE BRANCH | 3309 North Main Street | Sandy Lake, PA |
| COCHRANTON BRANCH | 110 N Franklin St | Cochranton, PA |
| JACKSON TOWNSHIP BRANCH | 811 Franklin Rd | Mercer, PA |
| CLINTONVILLE BRANCH | 101 Franklin St | Clintonville, PA |
| FREDONIA BRANCH | 71 Main St | Fredonia, PA |
| CAMBRIDGE SPRINGS BRANCH | 144 Venango Ave | Cambridge Springs, PA |
| MEADVILLE BRANCH | 16411 Conneaut Lake Rd | Meadville, PA |
Showing 7 of 11
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/20/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 16145 |
| State and County Number | 42085 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Youngstown-Warren-Boardman, OH-PA |
Operational Info
| Number of Employees | 111 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mcsbank.bank |
| Data Updated | 01/30/2026 |
| CERT | 445 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $597.48M |
| Total Deposits | $516.58M |
| Total Liabilities | $550.25M |
| Total Equity Capital | $47.23M |
| Net Income | $1.95M |
| Net Loans and Leases | $386.52M |
| Assets Per Employee ($Millions) | $5.38M |
| Bank Premises and Fixed Assets | $14.48M |
| Cash and Balances due from Depository Institutions | $11.61M |
| Deposits Held in Domestic Offices | $516.58M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 16.66% |
| Net Interest Margin | 3.97% |
| Efficiency Ratio | 68.4% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.905% |
| Earning Assets to total Assets | 91.76% |
Income and Expense
| Total Interest Income | $7.49M |
| Total Noninterest Income | $986.00k |
| Total Interest Expense | $2.01M |
| Total Noninterest Expense | $4.43M |
| Net Interest Income | $5.49M |
| Pre-tax Net Operating Income | $2.34M |
| Provision for Credit Losses | $-295,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $27.07M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.59M |
| Total Liabilities and Capital | $597.48M |
Securities
| Securities | $156.67M |
| Available-for-sale debt securities | $156.67M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Mercer County State Bank?
$597.48M as of the latest filing.
How much are Mercer County State Bank's total deposits?
$516.58M in total deposits.
Where is Mercer County State Bank located?
Sandy Lake, PA.
What is the Net Interest Margin?
3.97%.
How many domestic offices does it operate?
12.
When was it established?
06/20/1911.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$386.52M (latest filing).
What is the total interest income (latest filing)?
$7.49M.