Overview / Commentary
3279 South Main Street
Sandy Lake, PA 16145

Mercer County State Bank is headquartered in Sandy Lake and is the 83rd largest bank in the state of Pennsylvania. It is also the 1,707th largest bank in the nation. It was established in 1911 and as of September of 2018, it had grown to 96 employees at 11 locations. Mercer County State Bank's money market rates are 4X the national average, and it has an A health rating.

Reviews (1)

Mercer County State Bank

My business partner and I chose to work with Mercer County State Bank when looking for a lender in our real estate business. Having a good relationship with a local lender is very important in the buy and hold rental real estate business. This bank came highly recommended by other investors in our network. The commercial lending department in this institution is very competitive and they develop strong business relationships with a number of successful real estate investors in my area. One of their skilled commercial loan officers agreed to meet my partner and I for lunch to discuss our goals and products that the bank has to offer. The loan officer brought an underwriter to the lunch meeting. Having a face to face meeting with these staff members helped to avoid any miscommunication and develop a more personalized approach to the partnership. I am pleased with the experience with this lender so far and I hope to have a good relationship with them for many years to come.


Health Grade Components

FDIC Certificate #445
Year Established1911
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD8.62%
Annual Interest Income$11.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$409.0MM$397.2MM
LoansQ3 2018vs Q3 2017$248.6MM$229.9MM
DepositsQ3 2018vs Q3 2017$342.0MM$324.6MM
Equity CapitalQ3 2018vs Q3 2017$39.2MM$42.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$2.8MM$2.9MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.2MM$2.8MM
Real Estate OwnedQ3 2018vs Q3 2017$370.00K$289.00K
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Always verify rates and promotions with the bank or credit union. We are not Mercer County State 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.

Mercer County State Bank Savings Account Rates

0.15%*$500*-Personal Statement Savings
OTHER TIERS: 0.10% Up to $500
0.15%*$500*-Business Statement Savings
OTHER TIERS: 0.10% Up to $500
0.15%--Christmas Club Direct

Mercer County State Bank Money Market Rates

1.75%*$500k*-Personal Money Market Account
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k | 0.20% $100k - $500k
1.75%*$500k*-Business Money Market Account
OTHER TIERS: 0.10% Up to $50k | 0.15% $50k - $100k | 0.20% $100k - $500k

Mercer County State Bank Checking Account Rates

0.10%*$5k*-Business Checking With Interest
OTHER TIERS: 0.05% Up to $5k
0.10%--Premium Checking
0.05%--Hometown Advantage

Mercer County State Bank CD Rates

2.25%$500$250k17 Month CD Special

Mercer County State Bank IRA Rates

2.50%$500$100k60 Month IRA
1.00%$500$100k48 Month IRA
0.85%$500$100k36 Month IRA
0.55%$500$100k24 Month IRA
0.30%$500$100k12 Month IRA


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