Unverified listing What this means
The Lender Report built this page from public records. Mercer County State Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Mercer County State Bank itself. Each figure shows its source and date. Work at Mercer County State Bank? You can claim this page for free.
Bank, Sandy Lake, PA
Mercer County State Bank
A bank based in Sandy Lake, PA. Its commercial book is mostly owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $289M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 5
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 1
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $611M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.mcsbank.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- mcsbank.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 3279 South Main Street, Sandy Lake, PA 16145FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Mercer County State Bank's Non-owner-occupied CRE balance rose 19.2% to $30.4M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 4.9% to $181.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 39.7% to $30.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 51.5% to $6M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Allegheny County, PA | Refinance, 5 to 24 units | $1.2M | HMDA 2025 | |||
| 2025 | Lawrence County, PA | Refinance, 5 to 24 units | $220K | HMDA 2025 | |||
| 2025 | Mercer County, PA | Refinance, 5 to 24 units | $160K | HMDA 2025 | |||
| 2025 | Lawrence County, PA | Improvement, 5 to 24 units | $55K | HMDA 2025 | |||
| 2025 | Lawrence County, PA | Improvement, 5 to 24 units | $45K | HMDA 2025 | |||
| 2024 | Lawrence County, PA | Purchase, 25 to 49 units | $1.1M | HMDA 2024 | |||
| 2024 | Mercer County, PA | Refinance, 5 to 24 units | $820K | HMDA 2024 | |||
| 2024 | Mercer County, PA | Purchase, 5 to 24 units | $680K | HMDA 2024 | |||
| 2024 | Erie County, PA | Purchase, 5 to 24 units | $340K | HMDA 2024 | |||
| 2024 | Erie County, PA | Refinance, 5 to 24 units | $300K | HMDA 2024 | |||
| 2024 | Erie County, PA | Improvement, 5 to 24 units | $260K | HMDA 2024 | |||
| 2024 | Erie County, PA | Purchase, 5 to 24 units | $240K | HMDA 2024 | |||
| 2024 | Lawrence County, PA | Purchase, 5 to 24 units | $200K | HMDA 2024 | |||
| 2024 | Erie County, PA | Purchase, 5 to 24 units | $200K | HMDA 2024 | |||
| 2024 | Crawford County, PA | Purchase, 5 to 24 units | $200K | HMDA 2024 | |||
| 2024 | Crawford County, PA | Purchase, 5 to 24 units | $180K | HMDA 2024 | |||
| 2024 | Erie County, PA | Purchase, 5 to 24 units | $160K | HMDA 2024 | |||
| 2024 | Erie County, PA | Purchase, 5 to 24 units | $160K | HMDA 2024 | |||
| 2024 | Mercer County, PA | Purchase, 5 to 24 units | $65K | HMDA 2024 | |||
| May 2024 | Pennsylvania | SBA 504, Hotels (except Casino Hotels) and Motels | $730K | 25 yr | SBA FOIA | ||
| 5 multifamily loans made in 2025 | $1.67M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $13.1M | 3.2% | +9.5% |
| Construction and land development | $1.59M | 0.4% | +56.2% |
| Owner-occupied CRE | $181M | 44.6% | +4.9% |
| Non-owner-occupied CRE | $30.4M | 7.5% | +39.7% |
| Farmland | $17.3M | 4.3% | +5.5% |
| Commercial and industrial | $45.7M | 11.3% | -2.5% |
| Commercial total | $289M |
Reference only: $107M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $230M |
| Q4 2023 | $233M |
| Q1 2024 | $240M |
| Q2 2024 | $261M |
| Q3 2024 | $260M |
| Q4 2024 | $267M |
| Q1 2025 | $265M |
| Q2 2025 | $271M |
| Q3 2025 | $268M |
| Q4 2025 | $272M |
| Q1 2026 | $279M |
| Q2 2026 | $289M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 5 | $1.67M | $155K | $1.2M | HMDA, |
| Multifamily, 5 or more units | 2024 | 14 | $4.90M | $220K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 13 | $2.33M | $85.0K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $730K | $730K | $730K | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Mercer County State Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $5,990,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $0. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 314 | $8.22M |
| Over $100,000 up to $250,000 | 60 | $5.31M |
| Over $250,000 up to $1 million | 32 | $11.0M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 311 | $13.2M |
| Over $100,000 up to $250,000 | 270 | $34.0M |
| Over $250,000 up to $1 million | 136 | $49.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 28 | $1.10M |
| Over $100,000 up to $250,000 | 44 | $4.28M |
| Over $250,000 up to $500,000 | 27 | $6.28M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 82 | $2.02M |
| Over $100,000 up to $250,000 | 12 | $1.50M |
| Over $250,000 up to $500,000 | 6 | $1.34M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Pennsylvania HQ | 12 | 5 | 13 | 0 | 1 |
| County | Recorded loans | Dollars |
|---|---|---|
| Erie County, PA | 7 | $1.64M |
| Lawrence County, PA | 5 | $1.64M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Erie, PA | 7 | $1.64M |
| Pittsburgh, PA | 6 | $2.82M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Mercer County State Bank has 11 offices in 4 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 11 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Mercer County, PA | 6 | 0 |
| Crawford County, PA | 3 | 0 |
| Butler County, PA | 1 | 0 |
| Venango County, PA | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $10.1M | $5.02M to $22.3M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 67.2% | 0.0% to 394.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 2.4% | 0.0% to 111.6% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 76.6% | 56.7% to 108.7% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $5.99M | $0 to $41.1M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 51.5% from a year earlier. | FDIC call report, |
| Loans to assets | 66.4% | 53.3% to 89.9% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| PS Bank | PA | $675M | $252M |
| Hamlin Bank and Trust Company | PA | $503M | $28.4M |
| Quaint Oak Bank | PA | $631M | $485M |
| Woodlands Bank | PA | $640M | $246M |
| New Tripoli Bank | PA | $674M | $244M |
| Hatboro Federal Savings, FA | PA | $598M | $432K |
| First United National Bank | PA | $386M | $42.6M |
| Enterprise Bank | PA | $525M | $324M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Mercer County State Bank, FDIC certificate 445. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $611M in total assets and $289M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 33 recorded loans from HMDA and SBA files, through September 30, 2026: 5 HMDA multifamily 2025, 14 HMDA multifamily 2024, 13 HMDA 1-4 unit investor 2025, 1 SBA 504 first lien in 36 months. Each has its source and date. [How each file was tied to Mercer County State Bank]
- Phone and website. No phone number is on record. Website mcsbank.bank, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 445
- RSSD
- 866121
- LEI
- 549300BR55JZCJBERC86
- The Lender Report ID
- lr_002249
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Youngstown-Warren-Boardman, OH-PA
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $611.3M in total assets as of June 30, 2026 (FDIC call report).
- Held $289.3M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $181.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 4.9% from a year earlier (FDIC call report).
- Held $45.7M of commercial and industrial loans as of June 30, 2026 (FDIC call report).
- Held $30.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 39.7% from a year earlier (FDIC call report).
- Originated 5 multifamily loans totaling $1.7M in 2025 (HMDA).
7 more sentences
- Originated 14 multifamily loans totaling $4.9M in 2024 (HMDA).
- Originated 13 1-4 unit investor or business-purpose loans totaling $2.3M in 2025 (HMDA).
- Provided the first lien on 1 SBA 504 project with $730K in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 12 offices in 1 state (FDIC).
- Held 406 commercial and industrial loans that were $1 million or less when made, with a balance of $24.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 717 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $97M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $6M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Mercer County State Bank, https://lender.report/lender/mercer-county-state-bank-pa/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Mercer County State Bank? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem