PA lenders / Community Bank
Mercer County State Bank
Community Bank · Sandy Lake, PA · Mercer County State Bcorp Inc
- Total assets
- $601.7M
- CRE loan book
- $215.5M
- QoQ CRE growth
- 2.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.10% as of Q1 2026 — TX bank median 4.87% (1.24pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.10% | 6.23% |
| Q4 2025 | 6.52% | 6.53% |
| Q3 2025 | 5.88% | 6.23% |
| Q2 2025 | 5.85% | 6.04% |
| Q1 2025 | 5.72% | 5.94% |
| Q4 2024 | 5.87% | 6.01% |
| Q3 2024 | 6.28% | 5.97% |
| Q2 2024 | 5.40% | 5.81% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $215.5M | $1.4M | $11.5M | 57% | $2.7M |
| Q4 2025 | $210.4M | $1.5M | $11.0M | 52% | $2.0M |
| Q3 2025 | $204.1M | $1.5M | $11.6M | 53% | $1.4M |
| Q2 2025 | $207.5M | $1.0M | $12.0M | 54% | $2.0M |
| Q1 2025 | $204.7M | $912,000 | $12.1M | 49% | $1.9M |
| Q4 2024 | $206.2M | $478,000 | $13.3M | 51% | $2.0M |
| Q3 2024 | $203.1M | $905,000 | $13.2M | 67% | $1.1M |
| Q2 2024 | $197.7M | $1.0M | $13.3M | 63% | $260,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Solvay BankCommunity Bank · Solvay · $214.9M CRE book
- Peoples Exchange BankCommunity Bank · Winchester · $214.7M CRE book
- Bank of Prairie du SacCommunity Bank · Prairie Du Sac · $216.6M CRE book
- The Malvern National BankCommunity Bank · Malvern · $214.0M CRE book
- Focus BankCommunity Bank · Charleston · $213.7M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.