# MCS BANK
MILROY, PA · FDIC certificate 28186 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $224.7M | |
| Deposits | $196.1M | |
| Loans and leases | $185.8M | |
| Total equity | $26.4M | |
| Loans / deposits | 93.66% (p85 of band) | 73.59% |
| Liquid assets / assets | 11.60% (p6 of band) | |
| Uninsured deposits / deposits | 9.34% (p12 of band) | 19.81% |
| Brokered deposits | 2.04% | |
| Wholesale funding | 2.43% (p61 of band) | |
| FHLB advances / assets | 0.39% | |
| Tier 1 leverage | 11.69% (p49 of band) | 11.76% |
| Unrealized securities loss / equity | -2.77% (p66 of band) | -6.57% |
| AOCI / equity | -0.16% (p61 of band) | |
| ROA (annualized) | 0.87% (p34 of band) | 1.17% |
| Net interest margin | 4.57% (p79 of band) | 3.93% |
| Efficiency ratio | 73.32% (p68 of band) | |
| Noncurrent loans | 0.36% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p77 of band) | |
| Reserve coverage of noncurrent | 336.35% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 7.40% (p34 of band) | |
| Auto loans | $1.1M (0.60% of loans; DQ 1.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.5% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 2 | uninsured deposits leaving | deposits shrinking |
| 2014-03 | 1 |  | uninsured deposits leaving |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2015-12 | 1 |  | capital falling, charge-offs p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | uninsured deposits leaving |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2018-06 | 3 | uninsured deposits leaving |  |
| 2018-09 | 2 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2018-12 | 2 | uninsured deposits leaving | capital falling |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2019-09 | 2 |  | uninsured deposits leaving |
| 2019-12 | 4 | capital falling, charge-offs p90 |  |
| 2020-03 | 3 |  | loans exceed deposits |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | reserve under noncurrent |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2024-09 | 1 |  | capital falling, uninsured deposits leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 2 | liquid assets <10% |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 | capital falling | charge-offs p90, liquid assets <10% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-02 [MCS Bank names Harford to board of trustees - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMiogFBVV95cUxOR3JQT2VZZV8xejBkaTRKWWItaFFWbjI4UUprUzF5N0RqY2t6TklOUGVMempOODZnRDh6cnEyaWxGZ09ZZFlkM1E2RHVDNTUwYkxZd1B2S0diU3lSRkw1SGxqNTdvX3lvOUI4Ql9uOU1hYThVQjdyNzRiVUNIQnVIUmRUZThlenRsUG9CYUNCdS1DZWJSbXoxWjhXeS1GLXNRd3c?oc=5) · Lewistown Sentinel
- 2026-08-18 [Identifi Announces 16 New Bank and Credit Union Customers in First Half of 2026 - Morningstar](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQZVpnMllWNTVkdjlYODhDS1Ixcldaak5MeXNsSi1BZ2MtSUlzMDYxMDVQX2lKOS1mdl9ZVGFSZ09QWUdFS1RlNUh3czJtbHl6TTEySTJ0eWRqSmRwRl9lc3VuR1B5bjRWeHdrajZ6cEJWbk43RUpiNUg5dlJrb3hrajd0cEpBbnUxSUtvZjY4bFJUbVdtVGtrQkpfaGRvdmtEOUdSbXUwZDlNdXBlaDVlejY4UE5Ud1NSY0Y1SEJjdHY5MUZyeU1ZU3VUbEtGdUhkNk9OOGZ0Z0s?oc=5) · Morningstar
- 2021-11-03 [MCS Milroy location opens - huntingdondailynews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxORzNyUWpDYU9mcUc5aVR0aEYwR3pQRW16X2lwZmVaQnVmRm16bGJYUktzcWRodlZmckk2bmRZVkRCdTJVeU0zNV9WMEM3cUctMU1QcWh0V0hRSHpoN1dZZVpVc3BKczNreWR0MTYwZU1rRndNNVlmYlNvZkZWTlliNmd0akZZTjktQ0ZsVkhaYXhjUEgtZTRCSkdhOG5TRTNWSVhGS09selZJRm1hUTJEMGpLLUhkMUcycnBFR1lmLWtVaW8?oc=5) · huntingdondailynews.com
- 2025-09-17 [Chamber kicks off ’25–26 Leadership Institute - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMipgFBVV95cUxQdmljckVmSnNyZ0Y1cXg4VGdJelNiZ1BGUU04UGlTV1otYnlMWGRsSXlNblNuSVduaVVhSTJYdWxDeHZfWUY2eGZpRnVZM1BJTG9VdGttNVhmWloxRjBnSVBUbjJYd3lOaXNReGxnekp5bzZSZjhHTHRod1dOcjA3WUJNNTJoUjE2czNmS3lBYzNYXzFHTXVGR2Z4MVZxUnFJSWVuN053?oc=5) · Lewistown Sentinel
- 2024-11-15 [MCS Insurance acquires Rupert Insurance Agency - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNMDYtemRLZ3VUTWpKd1JwVldTMkU0V25pemstVU56YldmSHdpRWlmblFBXzNVS085eWJMOFZ2YkhDTmpMcTZQUzBUOXI1Yk9kdHJhd0xlS3dzOHl3ZGZSXzd6bkVDSXdjMEFKR3V6elVwa2E1UklZU0pmNGNQSEpQSHRUSDF2bUtlbWhWdUFBYThIY1dmZUpTaTlHdWFIWE1YdWRNZXBtN28?oc=5) · Lewistown Sentinel
- 2025-07-24 [Bank Smart, Stay Safe: Spotting Scams in a Digital World - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMisAFBVV95cUxPd2NUTXBrTVk0ejBpNlFBMGRnN1BNWTkxV2JkNHdNOEs3MS1PMHh5Z2hSRm9ZLUFtWEVMQ1I0ZnFvNjZxZENzdmU0U25taTl0aTRwa1l4WHRVMGgxNDBneFJCaDBYQkZsVklaYWstRDE3cmpmNXRydUg1ZFg2UzNOTnc0eUtjTnNiemJQMGJUamlsTDBrLXd6a3ZBeVlmVVRyTUJCV2Nib1ROTWdTZFFVSg?oc=5) · Lewistown Sentinel
- 2026-06-27 [Fireworks deliver colorful bang for upcoming holiday - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdlQtZWU1MG15bHR5ZUVxVnFrUTNEUEYwYnBaakxNNDR3ZU8yajdBQ0dLWmNzVzVSMEVCMGdKZzNTX3o3UlpJR3VnQVBLSVpLWDdxQnZESXA4VDJCeUJJWk5PcDVVeFFTZ0piX1dXYlg3aWdsU2xHVnd5cFJ2UndNUGY3R0tXRzVnQzBtOFpaZmtzYnFaWmkxNTNHYTRGYVlnUWpQbS1xUmdUVjhwN0VDVA?oc=5) · Lewistown Sentinel
- 2025-07-03 [Fireworks highlight weekend slate - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZEhIZEMtMDA3eDJ0UXhOWGJwRE9HTm96WVpnZG1BLU1BcHY3cHRtVTNkMU9wZkpqVi1tczlvQXItX0MtQ0hRMklfdTg2WW1iUTUwWjdXUlc1dHJuRkpIU3E5U0NqRkF3cWpqaHp1VE5Mb3lFVENCY1ZDWG11UkJFNXViYmtfM2RkU2VFdFNsbm5QSWhJRko4?oc=5) · Lewistown Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28186 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "28186", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide