Side-by-side · Q2 2026 data
MCS Bank vs PennCrest Bank
Metric by metric
| Measure | MCS Bank | PennCrest Bank |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 67 | 85 (stronger) |
| Loan quality | 88 (stronger) | 83 |
| Earnings | 55 (stronger) | 39 |
| Funding & liquidity | 67 | 86 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 53rd | 64th |
| Total assets | $224.7M | $247.1M |
| Deposits / shares | $196.1M | $210.0M |
| Capital ratio | 11.69% | 13.48% (stronger) |
| Problem loans | 0.36% (stronger) | 0.50% |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 0.87% (stronger) | 0.47% |
| Loans ÷ deposits | 93.7% | 74.4% (stronger) |
| Uninsured deposits | 9.3% | 6.4% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.0% |
PennCrest Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), MCS Bank leads on 2 and PennCrest Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.