Mercer County State Bank
Sandy Lake, PA · Owner: Mercer County State Bcorp Inc
$611M
total assets, June 30, 2026
$611M
total assets, June 30, 2026
Mercer County State Bank is a state nonmember bank based in Sandy Lake, PA, owned by Mercer County State Bcorp Inc. As of June 30, 2026 it held $611.3 million in assets and $530.3 million in deposits; assets were up 0.7% from a year before. It has 12 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$611M
+0.7% in a year · +1.6% in a quarter
Deposits
$530M
+0.3% in a year · +0.6% in a quarter
Loans
$406M
+3.2% in a year · +2.3% in a quarter
Profit so far
$3.3M
Jan 1 to Jun 30, 2026 · +35.4% in a year
Capital ratio
10.27%
+0.33 pts in a year
Return on assets
1.09%
+0.27 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 3279 South Main Street, Sandy Lake, PA, 16145
- County
- Mercer
- Holding company
- Mercer County State Bcorp Inc
- Established
- Jun 20, 1911
- Employees
- 111
- Branches
- 12
- Website
- www.mcsbank.bank
- Id
- b445
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
12 offices as of June 30, 2026, holding $530.3 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Pennsylvania | 12 | $530M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Sandy Lake Branch | Sandy Lake, PA | $127M |
| Grove City Branch | Grove City, PA | $58.9M |
| Mercer Branch | Mercer, PA | $58.3M |
| Hermitage Branch Office | Hermitage, PA | $49.0M |
| Jackson Township Branch | Mercer, PA | $45.9M |
| Cochranton Branch | Cochranton, PA | $41.9M |
| Meadville Branch | Meadville, PA | $37.2M |
| Fredonia Branch | Fredonia, PA | $36.9M |
| Cambridge Springs Branch | Cambridge Springs, PA | $36.0M |
| Clintonville Branch | Clintonville, PA | $28.0M |
Related pages
Questions and answers
How big is Mercer County State Bank?
$611.3 million in total assets and $530.3 million in deposits as of June 30, 2026, with assets up 0.7% from a year before. Its loans were $406.1 million.
How many branches does Mercer County State Bank have?
12 branches in Pennsylvania as of June 30, 2026.
Is Mercer County State Bank profitable?
Yes: it earned $3.30 million from January 1 to June 30, 2026 (up 35.4% from the same months a year before). Its return on assets was 1.09% a year; about 1% is typical.
Who owns Mercer County State Bank?
Mercer County State Bank is owned by Mercer County State Bcorp Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.