BlastPoint's Banking Scorecard
Mercer County State Bank
Community
Specialty: Commercial
PA
FDIC cert 445
Sandy Lake, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Mercer County State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 29% in Community
- - Delinquency Rate 1.38% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$597.5M
+2.3% YoY
-1.6% QoQ
|
-$794.0M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$386.5M
+0.0% YoY
+0.4% QoQ
|
-$589.0M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$516.6M
+5.1% YoY
-2.7% QoQ
|
-$648.0M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.96%
+3.6% YoY
+13.3% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.70%
+7.1% YoY
+2.9% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
68.52%
-1.5% YoY
-0.1% QoQ
|
+5.89% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
2.01%
+5.3% YoY
+32.7% QoQ
|
+1.38% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
74.82%
-4.8% YoY
+3.1% QoQ
|
-8.24% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
26.92%
-6.5% YoY
-4.8% QoQ
|
+5.87% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
1.30%
+2.9% YoY
+34.4% QoQ
|
+0.80% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.64%
-2.6% YoY
+37.3% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#125 of 432 · Bottom 29% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 10%
in Community
Why this stands out
Current:
2.01%
(Tier avg: 0.63%, National avg: 0.66%)
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
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.92% · Tier avg: 21.05%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
52
52th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
30
30th pctile
Efficiency Ratio
Current: 68.52% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Loan-to-Deposit Ratio
Current: 74.82% · Tier avg: 83.06%
15
15th pctile
Total Deposits
Current: $516.6M · Tier avg: $1.2B
14
14th pctile
Total Assets
Current: $597.5M · Tier avg: $1.4B
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.50%
13
13th pctile
Total Loans
Current: $386.5M · Tier avg: $975.5M
10
10th pctile
Delinquency Rate
Current: 2.01% · Tier avg: 0.63%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.01% · Tier avg: 0.63%
13
13th pctile
Total Loans
Current: $386.5M · Tier avg: $975.5M
14
14th pctile
Nonperforming Asset Ratio
Current: 1.30% · Tier avg: 0.50%
14
14th pctile
Total Assets
Current: $597.5M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $516.6M · Tier avg: $1.2B
28
28th pctile
Loan-to-Deposit Ratio
Current: 74.82% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Efficiency Ratio
Current: 68.52% · Tier avg: 62.63%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
52
52th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.92% · Tier avg: 21.05%