Mercer County State Bank: how it compares with its peers
Against 45 PA banks with half to twice its assets, Mercer County State Bank's strongest measure in Q2 2026 is net interest margin (3.87% vs. a 3.34% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $7.5M).
| Measure | Mercer County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 0.87% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 3.34% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.56% | 64.10% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.5M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.69% | 82.72% | Context |
What it means for lending operations
Its efficiency ratio of 66.56% is above the 64.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Hatboro Federal Savings, FA Hatboro, PA · $598M
- Slovenian Savings and Loan Association of Canonsburg Strabane, PA · $627M
- Quaint Oak Bank Southampton, PA · $631M
- Woodlands Bank Williamsport, PA · $640M
- Mauch Chunk Trust Company Jim Thorpe, PA · $643M
- Phoenixville Federal Bank and Trust Phoenixville, PA · $648M
Questions about Mercer County State Bank
How big is Mercer County State Bank?
Mercer County State Bank, established in 1911, is headquartered in Sandy Lake, PA. It reported $611M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Mercer County State Bank's return on assets?
1.09% annualized in Q2 2026, against a 0.87% median for 45 PA banks with half to twice its assets, ahead of 58% of them.
What is Mercer County State Bank's efficiency ratio?
66.56% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is Mercer County State Bank growing its loans?
Net loans grew 3.3% over the year to Q2 2026, while deposits grew 0.3%.
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.