| Metric | MCS Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +8.5% | +4.0% | +4.5 pts |
| Loan growth (YoY) | +7.9% | +5.6% | +2.4 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 7.4% | 11.9% | -4.4 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.7M | $196.1M | $183.6M | $26.4M | $962K | 0.87% | 4.57% | 0.30% |
| Q1 2026 | $223.4M | $190.0M | $183.2M | $25.8M | $416K | 0.76% | 4.50% | 0.39% |
| Q4 2025 | $213.3M | $180.1M | $178.4M | $25.5M | $1.7M | 0.80% | 4.28% | 0.47% |
| Q3 2025 | $209.2M | $179.2M | $174.8M | $25.1M | $1.3M | 0.82% | 4.23% | 0.40% |
| Q2 2025 | $208.9M | $180.7M | $170.1M | $24.4M | $741K | 0.71% | 4.07% | 0.60% |
| Q1 2025 | $208.6M | $182.8M | $168.5M | $23.9M | $317K | 0.61% | 3.99% | 0.59% |
| Q4 2024 | $207.2M | $180.6M | $168.2M | $23.4M | $1.4M | 0.71% | 3.95% | 0.65% |
| Q3 2024 | $207.9M | $181.3M | $165.0M | $23.4M | $1.2M | 0.77% | 3.93% | 0.64% |
Loan mix (Q2 2026): real estate $162.1M · commercial $14.7M · consumer $6.8M · securities $10.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | MCS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 62.9% | 75th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | MCS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | MCS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | MCS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | MCS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | MCS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 2 counties across 1 state (+0 vs 2025) · $196.1M branch deposits. Biggest market: Mifflin, PA, ranked 3rd with 13.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mifflin, PA | 6 | $161.1M | 13.90% | 3rd |
| Huntingdon, PA | 1 | $35.0M | 4.22% | 6th |
Pennsylvania: 161st with 0.03% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 7
Spends 1.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).