Mercer County State Bank (FDIC #445): Bank Stress & Real-Estate Credit Exposure
Mercer County State Bank (FDIC Cert #445): bank stress 76/100, severe, STABLE over 7 days; parent MERCER COUNTY STATE BCORP INC.
Mercer County State Bank (#445) lends in 4 counties across 1 state; Mercer County State Bank (#445) reaches 98 ZIP codes: Pennsylvania 4 counties, 98 ZIPs.
Mercer County State Bank (#445) largest markets: Butler County, PA (37 branches, 37 ZIPs) (#445), Mercer County, PA (196 branches, 28 ZIPs) (#445), Crawford County, PA (81 branches, 27 ZIPs) (#445), Venango County, PA (23 branches, 23 ZIPs) (#445).
Mercer County State Bank (#445) reports $611.3 million in total assets; Mercer County State Bank (#445) equity $48.0 million (7.9% of Mercer County State Bank (#445) assets); Mercer County State Bank (#445) domestic deposits $530.3 million; Mercer County State Bank (#445) net income $3.3 million; Mercer County State Bank (#445) return on assets 1.09%; Mercer County State Bank (#445) return on equity 13.89%; Mercer County State Bank (#445) net interest income $10.7 million; Mercer County State Bank (#445) call report June 30, 2026.
Mercer County State Bank (#445) noncurrent real-estate loans: none reported; Mercer County State Bank (#445) net charge-offs on real estate 1.50%; Mercer County State Bank (#445) residential charge-offs 2.25%.
Mercer County State Bank (#445) net interest margin 3.87% against an eight-quarter Mercer County State Bank (#445) average of 3.62% (Mercer County State Bank (#445) compression -0.26 points); Mercer County State Bank (#445) non-residential real estate 224.7% of equity; Mercer County State Bank (#445) rate-exposure score 40/100, Mercer County State Bank (#445) fixed-rate trap 40/100; Mercer County State Bank (#445) risk type credit driven; Mercer County State Bank (#445) rate regime rates elevated, Mercer County State Bank (#445) snapshot October 19, 2026.
Mercer County State Bank (#445) stress score moved from 75.2 on June 22, 2026 to 76.2 on October 19, 2026; Mercer County State Bank (#445) ranged 75.2 to 76.2 over 116 snapshots.
Mercer County State Bank (#445) alerts: 4 counties; top Mercer County State Bank (#445) alert scores: Clintonville County, PA 26 (low); Harrisville County, PA 26 (low); Meadville County, PA 26 (low); Sandy Lake County, PA 26 (low).