MCS Bank

BankMilroy, Pennsylvania
WWW.MCS.BANK

Total Assets

$213.3M

Total Deposits

$180.1M

Branches

10

Established

1923

TFS Health Grade

$
D

66.0 / 100

Below average financial health

How we grade

MCS Bank is a bank headquartered in Milroy, Pennsylvania, established in 1923. With $213.3M in total assets and 10 branch locations, it has a TFS Financial Health Grade of D (66.0/100).

Capital & Safety

Tier 1 Capital Ratio
11.79%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.55%

Profitability

Return on Assets (ROA)
0.80%(1%)
Return on Equity (ROE)
6.89%(10%)
Net Interest Margin
4.28%
Efficiency Ratio
72.70%(60%)

Lending & Liquidity

Total Loans
$180.5M
Loan-to-Deposit Ratio
99.05%
Net Charge-Off Ratio
0.26%

Growth

Asset Growth (YoY)
+2.91%
Deposit Growth (YoY)
-0.28%
Net Income
$1.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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MCS Bank - Bank Review, Ratings & Financial Health | Health Grade: D | TheFinanceSection | TheFinanceSection