TellerScore

Mercer County State Bank (FDIC certificate #445) is based in Sandy Lake, Pennsylvania. Its Q2 2026 call report shows $611.3M in total assets and $530.3M in deposits and 12 offices.

Mercer County State Bank has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 99th. Funding & liquidity contributes the most (79/100, 76% loans-to-deposits, 20% uninsured); loan quality contributes the least (19/100, 2.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.27%
Loan quality19/100
Noncurrent loans ÷ total loans: 2.42%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 75.7% · 20.1% uninsured
Problem-loan coverage62/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (53 → 52).

TellerScore
485459Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202448
Q4 202454
Q1 202559
Q2 202553
Q3 202558
Q4 202555
Q1 202654
Q2 202652
Tier 1 leverage ratio
5.00%7.73%10.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.86%
Q3 20249.99%
Q4 20249.90%
Q1 202510.05%
Q2 20259.94%
Q3 202510.08%
Q4 202510.15%
Q1 202610.46%
Q2 202610.27%
Noncurrent loans
1.33%1.93%2.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.34%
Q3 20242.52%
Q4 20241.89%
Q1 20251.33%
Q2 20251.90%
Q3 20251.50%
Q4 20251.99%
Q1 20262.24%
Q2 20262.42%
Return on assets
0.79%0.94%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.92%
Q4 20240.93%
Q1 20250.79%
Q2 20250.82%
Q3 20250.85%
Q4 20250.96%
Q1 20261.07%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$611.3M10.27%2.42%1.09%75.7%
Q1 202654$601.7M10.46%2.24%1.07%74.4%
Q4 202555$597.5M10.15%1.99%0.96%74.8%
Q3 202558$607.4M10.08%1.50%0.85%72.6%
Q2 202553$606.8M9.94%1.90%0.82%73.5%
Q1 202559$585.6M10.05%1.33%0.79%77.0%
Q4 202454$584.0M9.90%1.89%0.93%78.6%
Q3 202448$585.9M9.99%2.52%0.92%76.2%
Q2 202459$583.5M9.86%1.34%0.91%77.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.27%
37th
Total risk-based capital0.00%
24th
Problem loans2.42%
9th
Net charge-offs0.04%
31st
Return on assets1.09%
40th
Net interest margin3.87%
46th
Efficiency ratio66.6%
38th
Loans to deposits75.7%
58th
Uninsured deposits20.1%
64th
Loan-loss reserves1.15%
45th
Texas ratio18.8%
7th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Hatboro Federal Savings, FABank Hatboro, PA79 out of 100, Strong$597.8M24.5%0.64%vs
Slovenian Savings and Loan Association of CanonsburgBank Strabane, PA73 out of 100, Strong$627.0M16.5%1.99%vs
Quaint Oak BankBank Southampton, PA52 out of 100, Below average$631.5M10.9%1.73%vs
Woodlands BankBank Williamsport, PA44 out of 100, Below average$640.3M8.9%2.68%vs
Mauch Chunk Trust CompanyBank Jim Thorpe, PA46 out of 100, Below average$642.8M7.9%1.27%vs
Phoenixville Federal Bank and TrustBank Phoenixville, PA67 out of 100, Moderate$648.0M12.6%1.25%vs

Deposit insurance

Is my money safe at Mercer County State Bank?

Yes. Mercer County State Bank is an FDIC-insured institution (FDIC certificate #445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.1% of deposits ($106.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Mercer County State Bank lists 11 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mercer County State Bank reported 178 home-loan applications under HMDA (LEI 549300BR55JZCJBERC86): 115 originated ($14,175,000 total), 38 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mercer County State Bank
Type
State-chartered bank
FDIC certificate #
445
RSSD ID
866121
Primary regulator
FDIC
Holding company
Mercer County State Bcorp Inc
Established
June 20, 1911
Headquarters
3279 South Main Street, Sandy Lake, PA 16145
Employees
111

Quick answers

Mercer County State Bank: common questions

Is Mercer County State Bank FDIC insured?

Yes. Mercer County State Bank is an FDIC-insured institution (FDIC certificate #445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mercer County State Bank's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Mercer County State Bank ever failed?

There is no failure record for FDIC certificate #445 in the FDIC failed bank list.

How many branches does Mercer County State Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sandy Lake

InstitutionScoreAssetsCapitalProblem loansCompare
Grove City Area Federal Credit UnionCredit union Grove City, PA87 out of 100, Very strong$152.8M15.3%1.33%vs
First Choice Federal Credit UnionCredit union New Castle, PA82 out of 100, Strong$94.5M12.6%0.79%vs
Community Connect Federal Credit UnionCredit union Titusville, PA82 out of 100, Strong$27.4M12.7%0.59%vs
Pennstar Federal Credit UnionCredit union Hermitage, PA81 out of 100, Strong$58.7M15.6%1.01%vs
New Directions Community Credit UnionCredit union Franklin, PA75 out of 100, Strong$40.7M14.5%0.76%vs
Bessemer System Federal Credit UnionCredit union Greenville, PA74 out of 100, Strong$47.3M11.7%0.65%vs