Total Assets
$611.3M
Total Deposits
$530.3M
Branches
12
Established
1911
Mercer County State Bank is a bank headquartered in Sandy Lake, Pennsylvania, established in 1911. It holds $611.3M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Mercer County State Bank earns a TFS Financial Health Grade of C+ (70.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
70.8 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Mercer County State BankHQ | 3279 South Main Street | Sandy Lake | PA | 21 |
| Mercer County State Bank | 144 Venango Ave | Cambridge Springs | PA | 11 |
| Mercer County State Bank | 101 Franklin St | Clintonville | PA | 11 |
| Mercer County State Bank | 110 N Franklin St | Cochranton | PA | 11 |
| Mercer County State Bank | 71 Main St | Fredonia | PA | 11 |
| Mercer County State Bank | 712 W Main St | Grove City | PA | 11 |
| Mercer County State Bank | 549 S Main St | Harrisville | PA | 11 |
| Mercer County State Bank | 1353 N Hermitage Rd | Hermitage | PA | 11 |
| Mercer County State Bank | 16411 Conneaut Lake Rd | Meadville | PA | 11 |
| Mercer County State Bank | 811 Franklin Rd | Mercer | PA | 11 |
| Mercer County State Bank | 147 N. Diamond St. | Mercer | PA | 11 |
| Mercer County State Bank | 3309 North Main Street | Sandy Lake | PA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
70.8
Tier 1 capital ratio
10.27%
Return on assets
1.09%
Non-performing loans
2.42%
Efficiency ratio
66.56%
Asset growth (YoY)
0.73%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.