MERCER COUNTY STATE BCORP INC is the bank holding company. MERCER COUNTY STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

MERCER COUNTY STATE BCORP INC

Legal name: MERCER COUNTY STATE BANCORP, INC.

1 active bank · $602M combined assets

RSSD ID: 1247183 (FFIEC NIC)

Combined Assets

$602M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankMERCER COUNTY STATE BANKSANDY LAKE, PASatisfactory$602MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$602M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$527M

Net Income

$2M

ROA (avg)

1.07%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

220

Origination Rate

60.45%

Denial Rate

15.45%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
MERCER COUNTY STATE BANK	SANDY LAKE, PA	FDIC	$602M	100.0%	Satisfactory	Sep 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.