Bank · FDIC insured
MCS Bank
A $224.7M bank headquartered in Milroy, PA, with 7 branches in Pennsylvania. Best rates: CDs 3.75% and savings 0.15% APY.
MCS Bank Carrot Score
67
Carrot Score
Higher than 20% of U.S. banks and credit unions
#4 of 7 in Lewistown, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About MCS Bank
Originally formed in 1923 as the Mifflin County Building and Loan Association, MCS Bank has grown by serving the core banking and home-financing needs of retail and small-business customers.
MCS Bank is a state-chartered, mutual savings bank operating seven community branches in Mifflin, Huntingdon, and Snyder Counties and an Operations Center with a full-service branch in Milroy.
- Headquarters
- 100 Commerce Dr, Milroy, PA 17063
- FDIC certificate
- 28186 ↗
Branches
7 branches in Pennsylvania
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Pennsylvania
7 branches
Lewistown area · 5
- MCS BankMain office100 Commerce Dr, Milroy, PA 17063Directions
- Allensville Branch108 E Main St, Allensville, PA 17002Directions
- Belleville Branch4009 E Main St, Belleville, PA 17004Directions
- Burnham Branch200 N. Logan Blvd, Burnham, PA 17009Directions
- Lewistown Branch19 N Brown St, Lewistown, PA 17044Directions
Selinsgrove area · 1
- Mcclure Branch1 East Specht Street, McClure, PA 17841Directions
Huntingdon area · 1
- Mount Union Branch23 E Shirley St, Mount Union, PA 17066Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.69% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.87% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio11.69%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.87%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of MCS Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.