BlastPoint's Banking Scorecard
MCS Bank
Micro
Specialty: Commercial
PA
FDIC cert 28186
Designations: ✓ Community bank ✓ Mutual
Milroy, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
MCS Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.57% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$213.3M
+2.9% YoY
+1.9% QoQ
|
-$4.2M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$178.4M
+6.1% YoY
+2.1% QoQ
|
+$39.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$180.1M
-0.3% YoY
+0.5% QoQ
|
-$3.5M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.80%
+12.5% YoY
-1.3% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
4.28%
+8.4% YoY
+1.3% QoQ
|
+0.43% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
72.70%
-2.9% YoY
+2.8% QoQ
|
+4.98% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.56%
-30.1% YoY
+16.0% QoQ
|
-0.08% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
99.05%
+6.4% YoY
+1.5% QoQ
|
+24.52% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.60%
+6.7% YoY
-6.2% QoQ
|
-4.79% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.47%
-28.0% YoY
+16.2% QoQ
|
+0.01% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.13%
+4.2% YoY
+27.0% QoQ
|
+0.57% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.13%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest Income / Assets
Current: 1.13% · Tier avg: 0.56%
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.05% · Tier avg: 74.53%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
68
68th pctile
Total Loans
Current: $178.4M · Tier avg: $139.2M
55
55th pctile
Total Assets
Current: $213.3M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $180.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
33
33th pctile
Efficiency Ratio
Current: 72.70% · Tier avg: 67.73%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.60% · Tier avg: 22.39%
Top Weaknesses
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.60% · Tier avg: 22.39%
33
33th pctile
Efficiency Ratio
Current: 72.70% · Tier avg: 67.73%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Deposits
Current: $180.1M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $213.3M · Tier avg: $217.5M
68
68th pctile
Total Loans
Current: $178.4M · Tier avg: $139.2M
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.05% · Tier avg: 74.53%
93
93th pctile
Non-Interest Income / Assets
Current: 1.13% · Tier avg: 0.56%