FDIC Cert #445 · Sandy Lake, Pennsylvania · Est. 1911

Mercer County State Bank - FDIC Bank Health Profile

A community-scale look at Mercer County State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$597M
Total assets
C
Health grade · Fair
0.96%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

Mercer County State Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 10.15% Tier 1, 0.96% ROA, 69% efficiency ratio.

#1,573
largest of 4,313 FDIC banks by assets
64th
percentile by asset size, nationally
10.15%
Tier 1 ratio - above the 10% well-capitalized line
40th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 445 · PA C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3773/4307
  • PHOTO-FINISH Evolve Bank & Trust · AR
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-HEALTHY 15.0% Texas
  • ROA-PAR 0.96% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: Evolve Bank & Trust, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Mercer County State Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cumberland Valley Na… · KY ·…60/100Evolve Bank & Trust · AR · n…60/100Mercer County State… · PA · …60/100Method Bank · OK · near60/100Simmons Bank · AR · near60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Mercer County State Bank · July 2026

Call Report read for Mercer County State Bank in a high-failure state

Mercer County State Bank (FDIC Cert #445) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,773 of 4,307. Tier 1 capital prints at 10.15%, clearing the 10% well-capitalized line. The Texas Ratio is 15.04%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.96%. Balance-sheet scale is $597M, 1,573rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Evolve Bank & Trust (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Mercer County State Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

Mercer County State Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Mercer County State Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

How Mercer County State Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Mercer County State Bank's composite health score
Tier 1 Capital Ratio (10.15%) 28/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (15.04%) 10/20
Efficiency Ratio (68.52%) 8/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$597M

Total balance-sheet footings

Total Deposits

$517M

Customer-funded liabilities

Net Loans

$387M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.75% 10.15% 11.55%
Basel III capital ratios - Mercer County State Bank

Where Mercer County State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mercer County State Bank's score of 60/100 falls in the highlighted band.

Mercer County State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Mercer County State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Mercer County State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Mercer County State Bank's $597M falls in the highlighted band.

Capital & credit buffers at Mercer County State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.15%
Texas Ratio
15.04%
Equity Capital
$47M

What these ratios mean →

Profitability metrics: Mercer County State Bank

Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
13.34%
Efficiency Ratio
68.52%

What these mean →

Income & expense at Mercer County State Bank

$28M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Mercer County State Bank reports a Texas Ratio of 15.04% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Mercer County State Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($597M here), outside Pennsylvania so the neighborhood is not state containment.

FNBC Bank & Trust $598M · IL PyraMax Bank, FSB $598M · WI Citizens State Bank $596M · IA Citizens Bank Minnesota $596M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mercer County State Bank (FDIC Cert #445) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Mercer County State Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
First National Bank of PennsylvaniaGreenville $50.0B A 1.29%
Fulton Bank, National AssociationLancaster $32.0B A 1.33%
BNY Mellon, National AssociationPittsburgh $31.3B B 0.94%
Customers BankMalvern $24.9B A 1.01%
TriState Capital BankPittsburgh $23.3B A 0.78%
Northwest BankWarren $16.8B B 0.92%
Dollar Bank, Federal Savings BankPittsburgh $12.5B B 0.53%
First Commonwealth BankIndiana $12.3B B 1.33%