MCS Bank: how it compares with its peers
Against 27 PA banks with half to twice its assets, MCS Bank's strongest measure in Q2 2026 is net interest margin (4.57% vs. a 3.26% peer median). Its weakest relative measure is assets per employee ($3.9M vs. $6.2M).
| Measure | MCS Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 0.80% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.57% | 3.26% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.32% | 74.52% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $6.2M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.66% | 74.36% | Context |
What it means for lending operations
Its efficiency ratio of 73.32% is better than the 74.52% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The National Bank of Malvern Malvern, PA · $224M
- Iron Workers Savings Bank Aston, PA · $217M
- Apollo Trust Company Apollo, PA · $209M
- SEI Private Trust Company Oaks, PA · $208M
- The Turbotville National Bank Turbotville, PA · $243M
Questions about MCS Bank
How big is MCS Bank?
MCS Bank, established in 1923, is headquartered in Milroy, PA. It reported $225M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is MCS Bank's return on assets?
0.87% annualized in Q2 2026, against a 0.80% median for 27 PA banks with half to twice its assets, ahead of 59% of them.
What is MCS Bank's efficiency ratio?
73.32% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 74.52%, and lower is better.
Is MCS Bank growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits grew 8.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.