Mercer County State Bank

Overview / Commentary

www.mcsbank.bank

724-376-2100

3279 S. Main St.
Sandy Lake, PA 16145-0038

Mercer County State Bank is headquartered in SANDY LAKE and is the 67^th largest bank in the state of Pennsylvania. It is also the 1,577^th largest bank in the nation. It was established in 1911 and as of June of 2024, it had grown to 110 employees at 12 locations. Mercer County State Bank's money market rates are 5X the national average, and it has a B health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	445
Year Established	1911
Employees	110
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	13.73%
Annual Interest Income	$12.7MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$583.5MM$549.2MM
Loans	Q2 2024vs Q2 2023	$383.4MM$349.3MM
Deposits	Q2 2024vs Q2 2023	$494.6MM$489.2MM
Equity Capital	Q2 2024vs Q2 2023	$38MM$32.9MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$3.8MM$3.9MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$5.2MM$3.6MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$54K

Rates

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Savings
Money Market
Checking
CD
IRA

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

Mercer County State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$0	-	Christmas Club Direct
0.05%^*	$500^*	-	Personal Statement Savings
OTHER TIERS: 0.03% → $25 - $500
0.05%^*	$500^*	-	Business Statement Savings
OTHER TIERS: 0.03% → $25 - $500

Mercer County State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$500k^*	-	Personal Money Market Account
OTHER TIERS: 0.05% → $500 - $50k \| 0.25% → $50k - $100k \| 1.51% → $100k - $500k
2.02%^*	$500k^*	-	Business Money Market Account
OTHER TIERS: 0.05% → $500 - $50k \| 0.25% → $50k - $100k \| 1.51% → $100k - $500k

Mercer County State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$2.5k^*	-	Premium Checking
OTHER TIERS: 0.05% → $0 - $2.5k
0.03%	$0	-	Business Checking With Interest
0.03%	$0	-	Hometown 50+ Checking

Mercer County State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.40%	$500	$250k	5 Month CD Special
4.00%	$500	$250k	11 Month CD Special

Mercer County State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$50	$100k	36 Month IRA
3.00%	$50	$100k	48 Month IRA
2.75%	$50	$100k	60 Month IRA
1.50%	$50	$100k	12 Month IRA
1.50%	$50	$100k	24 Month IRA

Locations

Availability

Youngstown Area

Youngstown Area bank & credit union details

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