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Mercer County State Bank Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 21, 2026
Mercer County State Bank's Individual Retirement Accounts (IRA) - Personal 36-Month rates are at 3.00%, Individual Retirement Accounts (IRA) - Personal 48-Month rates are at 3.00%, 60-Month Certificate of Deposit rates are at 2.75%, Individual Retirement Accounts (IRA) - Personal 60-Month rates are at 2.75%, Individual Retirement Accounts (IRA) - Personal 12-Month rates are at 1.50%. Mercer County State Bank's savings rates are at 0.03%. Mercer County State Bank's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Mercer County State Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.60%. Rates were last updated on 05/21/2026. Mercer County State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mercer County State Bank? Share your experience about Mercer County State Bank by leaving a review below, or read customer reviews before you decide to use Mercer County State Bank. 
Mercer County State Bank CD Rates
Mercer County State Bank Savings Rates
Mercer County State Bank Money Market Rates
Mercer County State Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Mercer County State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Mercer County State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Mercer County State Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Mercer County State Bank
Bank Holding Company
MERCER COUNTY STATE BCORP INC
Address
3279 South Main Street,
Sandy Lake, PA 16145 · Mercer
Website
https://www.mcsbank.bank/
FDIC Certificate #
445
Established
06/20/1911
FDIC Insurance Date
01/01/1934
Domestic Offices
12
Total Branches
12
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA-
Overall Health Grade
Score: 90/100
4.9
Exceptional
Out of 5.0 Stars
16.60%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9687%
Return on Equity (ROE)
16.5800%
Non-Performing Loans (NPL)
0.82%
Total Assets
$597,479,000
Total Deposits
$516,580,000
Equity Capital
$47,231,000
Net Income
$5,750,000
Headquarters
Sandy Lake
Total Offices
12
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Mercer County State BankHow many branches does Mercer County State Bank operate?Mercer County State Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Mercer County State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Mercer County State Bank provides members with tools to manage their accounts and build a solid financial history. Does Mercer County State Bank offer online and mobile banking?Most modern institutions like Mercer County State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mcsbank.bank/. Current Mercer County State Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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