Mercer County State Bank: Bank Stress & Real-Estate Credit Exposure

At 76/100, Mercer County State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #445. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Mercer County State Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Mercer County State Bank is held under Mercer County State Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Mercer County State Bank runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 98 ZIP codes. It concentrates most in Pennsylvania (4 counties). The Mercer County State Bank score updates as fresh FDIC call reports post each quarter, so its 76/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Mercer County State Bank is directly comparable to any lender in the country. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. At the county level, Mercer County State Bank finances markets like Butler County, PA, Mercer County, PA, Crawford County, PA, Venango County, PA — the specific places where its credit posture translates into local lending capacity. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. DLRadar does not model Mercer County State Bank in isolation: the 98-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Mercer County State Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.