Total Assets
$597M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$517M
Customer-funded liabilities
Net Loans
$387M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
13.34%
Efficiency Ratio
68.52%
What the numbers say about Mercer County State Bank
Mercer County State Bank is an FDIC-insured institution (Certificate #445) headquartered in Sandy Lake, Pennsylvania, established in 1911. It holds $597M in total assets - 1,573rd of 4,313 FDIC-insured banks, $517M in customer deposits, and $387M in net loans. Looking at capital strength, Tier 1 stands at 10.15%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 15.04%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, Mercer County State Bank ranks 64th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Pennsylvania by total assets
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.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Mercer County State Bank's health grade?▼
Mercer County State Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Mercer County State Bank?▼
Mercer County State Bank holds $597M in total assets and $517M in deposits, ranking 1,573rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Sandy Lake, Pennsylvania.
Is my money safe at Mercer County State Bank?▼
Yes, deposits at Mercer County State Bank (Certificate #445) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Mercer County State Bank's Tier 1 Capital Ratio?▼
Mercer County State Bank has a Tier 1 Capital Ratio of 10.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Mercer County State Bank?▼
Mercer County State Bank has a Texas Ratio of 15.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Mercer County State Bank?▼
Mercer County State Bank has an Efficiency Ratio of 68.52%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Mercer County State Bank's profile as a depositor or analyst.
- Mercer County State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Mercer County State Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.