MCS Bank

Overview / Commentary

www.mcs.bank

717-248-5445

19 North Brown Street
Lewistown, PA 17044

MCS Bank is headquartered in Lewistown and is the 116^th largest bank in the state of Pennsylvania. It is also the 3,212^th largest bank in the nation. It was established in 1923 and as of March of 2022, it had grown to 45 employees at 9 locations. MCS Bank has an A health rating.

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2015

7/23 - MCS Bank (PA) Continues To Offer Competitive Long-Terms CDs

Reviews (1)

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I love working with local small-town bank.

Posted by: kerryfuentes1 | Aug 10, 2017

I live in a small rural town and I love banking with our local small-town bank. When I first opened up my checking and savings account they took the time to go over all the accounts they offer with me and made sure that I was choosing the best for me. After I opened the account they then helped me order my new checks and setup online banking using their app. I love that when I go in to bank they know who I am by name and always talk to me. They also let me know if any of their products have changed and if they feel like maybe one of their new deposit products would fit me better. I love the 1 on 1 that I get from the small bank. I will never switch back to a large national bank.

Comment

Health

Data as of Q1 2022

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	28186
Year Established	1923
Employees	45
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	2.96%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$185.4MM$174.4MM
Loans	Q1 2022vs Q1 2021	$130.0MM$129.5MM
Deposits	Q1 2022vs Q1 2021	$161.2MM$149.8MM
Equity Capital	Q1 2022vs Q1 2021	$20.4MM$20.4MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$1.1MM$721.00K
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$1.7MM$1.5MM
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not MCS Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MCS Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.12%	$1	-	Smart Saver
0.10%	$50	-	Statement Savings
0.10%	$1	-	Christmas Club
0.10%	$1	-	Vacation Club
0.10%	$1	-	Young Saver
0.10%	-	-	IRA Savings
0.10%	-	-	Kasasa Saver
0.10%	$50	-	Business Statement Savings
0.10%	$50	-	My First Savings

MCS Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$25k^*	-	Indexed Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k

MCS Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$15k	Kasasa Cash
OTHER TIERS: 0.10% → $15k+
0.10%	$500	-	Premium Checking
0.10%	$500	-	Senior Checking

MCS Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$1k	-	84 Month CD
0.30%	$1k	-	120 Month CD
0.30%	$1k	-	96 Month CD
0.30%	$1k	-	108 Month CD
0.30%	$1k	-	49 Month CD Special
0.30%	$1k	-	61 Month CD Special
0.30%	$1k	-	73 Month CD Special
0.30%	$1k	-	97 Month CD Special
0.25%	$1k	-	48 Month CD
0.25%	$1k	-	60 Month CD
0.25%	$1k	-	72 Month CD
0.25%	$1k	-	37 Month CD Special
0.25%	$1k	-	Business 48 Month CD
0.25%	$1k	-	Business 60 Month CD
0.20%	$1k	-	36 Month CD
0.20%	$1k	-	25 Month CD Special
0.20%	$1k	-	Business 36 Month CD
0.15%	$1k	-	30 Month CD
0.15%	$1k	-	11 Month CD Special
0.15%	$1k	-	Business 30 Month CD
0.10%	$1k	-	31 Day CD
0.10%	$1k	-	92 Day CD
0.10%	$1k	-	182 Day CD
0.10%	$1k	-	12 Month CD
0.10%	$1k	-	18 Month CD
0.10%	$1k	-	24 Month CD
0.10%	$1k	-	Business 31 Day CD
0.10%	$1k	-	Business 92 Day CD
0.10%	$1k	-	Business 182 Day CD
0.10%	$1k	-	Business 12 Month CD
0.10%	$1k	-	Business 18 Month CD
0.10%	$1k	-	Business 24 Month CD

MCS Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$500	-	84 Month IRA
0.30%	$500	-	120 Month IRA
0.30%	$500	-	96 Month IRA
0.30%	$500	-	108 Month IRA
0.30%	$500	-	49 Month IRA Special
0.30%	$1k	-	61 Month IRA Special
0.30%	$500	-	73 Month IRA Special
0.30%	$500	-	97 Month IRA Special
0.25%	$500	-	48 Month IRA
0.25%	$500	-	60 Month IRA
0.25%	$500	-	72 Month IRA
0.25%	$500	-	37 Month IRA Special
0.20%	$500	-	36 Month IRA
0.20%	$500	-	25 Month IRA Special
0.15%	$500	-	30 Month IRA
0.15%	$500	-	11 Month IRA Special
0.10%	$500	-	31 Day IRA
0.10%	$500	-	92 Day IRA
0.10%	$500	-	182 Day IRA
0.10%	$500	-	12 Month IRA
0.10%	$500	-	18 Month IRA
0.10%	$500	-	24 Month IRA

Locations

MCS Bank Locations
Mifflin County Savings Bank	19 North Brown Street	Lewistown, PA 17044
23 E Main St Branch	4009 East Main Street	Belleville, PA 17004
Shirley Street Branch	23-27 East Shirley Street	Mount Union, PA 17066
McClure Branch	Brown and Specht Streets	Mclure, PA 17841
Allensville Branch	108 East Main Street	Allensville, PA 17002
Mcs Bank-Mobile Courier Pickup	4009 E. Main Street	Belleville, PA 17004
Milroy Branch	100 Commerce Drive	Milroy, PA 17063

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