Mercer County State Bank is a bank based in Sandy Lake, Pennsylvania, established in 1911, with $602 million in total assets across 12 branches. By Trust Grade it ranks 78th of 110 banks we track in Pennsylvania. Its capital ratio of 7.9% trails most similarly sized banks (14th percentile), versus a Pennsylvania median of 10.7%. It was profitable over the most recent period, with a 1.07% return on assets. No consumer complaints against Mercer County State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Mercer County State Bank compares to Pennsylvania peers
How we graded Mercer County State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.9% capital ratio)
- Strongly profitable (ROA 1.07%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Mercer County State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (12)
- 3309 North Main Street, Sandy Lake, PA 16145
- 110 N Franklin St, Cochranton, PA 16314
- 811 Franklin Rd, Mercer, PA 16137
- 101 Franklin St, Clintonville, PA 16372
- 71 Main St, Fredonia, PA 16124
- 144 Venango Ave, Cambridge Springs, PA 16403
- 16411 Conneaut Lake Rd, Meadville, PA 16335
- 3279 South Main Street, Sandy Lake, PA 16145
- 712 W Main St, Grove City, PA 16127
- 1353 N Hermitage Rd, Hermitage, PA 16148
- 549 S Main St, Harrisville, PA 16038
- 147 N. Diamond St., Mercer, PA 16137
Are deposits at Mercer County State Bank insured?
Yes. Mercer County State Bank is an FDIC-insured bank (FDIC certificate #445). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Mercer County State Bank: frequently asked questions
Is Mercer County State Bank a good bank?
Mercer County State Bank earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Strongly profitable (ROA 1.07%).
Is Mercer County State Bank FDIC-insured?
Yes. Mercer County State Bank is a FDIC-insured bank (FDIC certificate #445). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Mercer County State Bank?
Mercer County State Bank holds $602 million in total assets, ranking 78th of 110 banks we track in Pennsylvania. It operates 12 branches.
Does Mercer County State Bank have CFPB complaints?
No CFPB complaints against Mercer County State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
