Call reports 2026
MERCER COUNTY STATE BANK — 2026
What MERCER COUNTY STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 601,730,000 | 611,253,000 |
| Total loans | 396,899,000 | 406,076,000 |
| Allowance for loan losses | 4,533,000 | 4,670,000 |
| Securities available for sale | 151,514,000 | 149,093,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 527,393,000 | 530,328,000 |
| Interest-bearing deposits | 384,903,000 | 374,860,000 |
| Noninterest-bearing deposits | 142,490,000 | 155,468,000 |
| Equity capital | 47,414,000 | 47,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 7,157,000 | 14,496,000 |
| Interest expense | 1,921,000 | 3,765,000 |
| Net interest income | 5,236,000 | 10,731,000 |
| Noninterest income | 939,000 | 1,875,000 |
| Noninterest expense | 4,130,000 | 8,390,000 |
| Provision for loan losses | 120,000 | 240,000 |
| Pretax income | 1,906,000 | 3,942,000 |
| Income tax | 307,000 | 639,000 |
| Net income | 1,599,000 | 3,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 62,709,000 | 62,413,000 |