Bank · FDIC insured
Mercer County State Bank
A $611.3M bank headquartered in Sandy Lake, PA, with 11 branches in Pennsylvania. Best rates: CDs 2.75% and savings 0.05% APY.
Mercer County State Bank Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#10 of 11 in Hermitage, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Mercer County State Bank
Mercer County State Bank was formed in 1911 through the merger of Sandy Lake Bank, organized in 1873, and Mercer County Bank, organized in 1893.
Headquartered in Sandy Lake, Pennsylvania, the locally owned and operated community bank operates eleven community offices across Mercer, Crawford, Venango, and Butler counties.
The bank provides agricultural and commercial lending while supporting youth, non-profits, and civic organizations across its local communities.
- Headquarters
- 3279 South Main Street, Sandy Lake, PA 16145
- FDIC certificate
- 445 ↗
Branches
11 branches in Pennsylvania
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Pennsylvania
11 branches
Hermitage area · 6
- Fredonia Branch71 Main St, Fredonia, PA 16124Directions
- Grove City Branch712 W Main St, Grove City, PA 16127Directions
- Hermitage Branch Office1353 N Hermitage Rd, Hermitage, PA 16148Directions
- Jackson Township Branch811 Franklin Rd, Mercer, PA 16137Directions
- Mercer Branch147 N. Diamond St., Mercer, PA 16137Directions
- Sandy Lake Branch3309 North Main Street, Sandy Lake, PA 16145Directions
Meadville area · 3
- Cambridge Springs Branch144 Venango Ave, Cambridge Springs, PA 16403Directions
- Cochranton Branch110 N Franklin St, Cochranton, PA 16314Directions
- Meadville Branch16411 Conneaut Lake Rd, Meadville, PA 16335Directions
Oil City area · 1
- Clintonville Branch101 Franklin St, Clintonville, PA 16372Directions
Pittsburgh area · 1
- Harrisville Branch549 S Main St, Harrisville, PA 16038Directions
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 | 10.27% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.42% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.09% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $77 | $81 | — |
- CapitalLeverage ratio10.27%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.42%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.09%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$77Peers’ 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 Mercer County State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.