MERCER COUNTY STATE BANK
SANDY LAKE, PENNSYLVANIA · FDIC Cert #445
Capital & Safety Analysis
According to FDIC financial data, MERCER COUNTY STATE BANK holds a Tier 1 capital ratio of 13.50%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning MERCER COUNTY STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
MERCER COUNTY STATE BANK shows strong financial health indicators. With $583M in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
MERCER COUNTY STATE BANK has a Bank Health Score of A (82/100). It holds a Tier 1 capital ratio of 13.50%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
MERCER COUNTY STATE BANK holds $583M in total assets and $495M in total deposits. It is located in SANDY LAKE, PENNSYLVANIA (FDIC Certificate #445).
MERCER COUNTY STATE BANK has a Tier 1 capital ratio of 13.50%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.34%, and the return on assets is 1.07%.
Yes. MERCER COUNTY STATE BANK is FDIC-insured (Certificate #445). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.