Mercer County State Bank
Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.0 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Fair asset quality (4.5). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.8) profitability.
Asset Mix:
Comm re (33%), securities (25%), home mtgs (17%), comm loans (7%), home eq lns (3%), cash (2%), consumer loans (0%), other (13%)
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.