🏦Bank Scorer

MERCER COUNTY STATE BANK

SANDY LAKE, PA · Supervised by FDIC

Est. 1911FDIC #445RSSD: FDIC-445
Part ofMERCER COUNTY STATE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.07%

Institution Profile

FDIC BankFind

Address

3279 South Main Street, SANDY LAKE, PA

County

Mercer County

Established

June 20, 1911

Total Assets

$602M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$602M

Total Deposits

$527M

Net Loans

$392M

Net Income

$2M

ROA

1.07%

ROE

13.52%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate15.45%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$529M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202422060.45%15.45%
202328773.17%10.80%
202234466.86%11.63%
202147065.74%12.55%
202047366.38%11.84%
201937866.93%16.93%
201840365.51%17.62%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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