Mercer County State Bank
Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital combined with 15.7 percent from a year earlier contributes to the Fair asset quality (4.0). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability.
Asset Mix:
Comm re (32%), securities (25%), home mtgs (16%), comm loans (8%), cash (4%), home eq lns (3%), consumer loans (0%), other (12%)
States with Branches:
PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Mercer County State Bancorp, Inc.
Investment Rating
--
Address
3279 South Main Street
Sandy Lake, PA 16145
Sandy Lake, PA 16145
Phone Number
(724) 376-7015
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.