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Mercer County State Bank
Sandy Lake, PA · FDIC Certificate #445 · Chartered 06/2
Total assets
$611.25M
Total deposits
$530.33M
Total equity
$47.99M
Net loans
$401.41M
Branches (offices)
12
Net income (YTD)
$3.30M
Rank: #1,540 of 4,213 U.S. banks by assets · #63 of 109 in Pennsylvania. Assets changed 0.7% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 13.89% |
| Net interest margin (YTD) | 3.87% |
| Equity to assets | 7.85% |
| Tier 1 leverage ratio | 10.27% |
| Uninsured deposits (share of deposits) | 20.1% |
| Noncurrent loans (share of loans) | 2.42% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 75.7% |
| Real estate loans (share of loans) | 87.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $350.96M | 87.4% | |
| Commercial & industrial | $45.74M | 11.4% | |
| Consumer / individual | $2.15M | 0.5% | |
| Construction & development | $1.59M | 0.4% | |
| Agricultural | $6.04M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $552.11M | $480.20M | $3.08M | $32.35M |
| Jun 2023 | $549.22M | $489.25M | $2.60M | $32.88M |
| Jun 2024 | $583.50M | $494.58M | $2.58M | $38.00M |
| Jun 2025 | $606.81M | $528.82M | $2.44M | $41.59M |
| Jun 2026 | $611.25M | $530.33M | $3.30M | $47.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $530.33M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $530.33M.
Similar-sized banks
Commercial Capital Bank ($611.38M) · Peoples Savings Bank ($610.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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