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Mcs Bank
Milroy, PA · FDIC Certificate #28186 · Chartered 01/0
Total assets
$224.70M
Total deposits
$196.05M
Total equity
$26.42M
Net loans
$183.62M
Branches (offices)
7
Net income (YTD)
$962.00K
Rank: #2,841 of 4,213 U.S. banks by assets · #89 of 109 in Pennsylvania. Assets changed 7.5% and deposits 8.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 7.42% |
| Net interest margin (YTD) | 4.57% |
| Equity to assets | 11.76% |
| Tier 1 leverage ratio | 11.69% |
| Uninsured deposits (share of deposits) | 9.3% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 93.7% |
| Real estate loans (share of loans) | 88.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $162.08M | 88.3% | |
| Commercial & industrial | $14.70M | 8.0% | |
| Consumer / individual | $6.75M | 3.7% | |
| Construction & development | $1.96M | 1.1% | |
| Agricultural | $898.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $185.09M | $161.29M | $384.00K | $20.19M |
| Jun 2023 | $189.75M | $163.50M | $694.00K | $20.98M |
| Jun 2024 | $205.30M | $179.91M | $487.00K | $22.36M |
| Jun 2025 | $208.94M | $180.71M | $741.00K | $24.36M |
| Jun 2026 | $224.70M | $196.05M | $962.00K | $26.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $196.05M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $196.05M.
Similar-sized banks
The Seymour Bank ($224.75M) · Franklin State Bank & Trust Company ($224.68M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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