Compared with Pennsylvania
18 of 25
compared fees are above the median.
7 below, 0 about the same.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
85th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 25 compared; 7 below, 0 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for MCS Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | MCS Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.5% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (85th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $137K in Q2 2026, 17% above the same quarter a year earlier ($117K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
18 of 25 compared published fees sit above the Pennsylvania median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Pennsylvania medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Compared at $25.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 13% from Q3 2025 to Q2 2026, to $137K. Its share of revenue, 4.5%, is above the 2.1% median for banks with under $300M in assets.
$137K
MCS BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
MCS Bank · $225M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| MCS Bank(this institution) | Milroy, PA | $225M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Columbia | Columbia, KY | $231M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Blue Grass Savings Bank | Blue Grass, IA | $225M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eagle Bank | Glenwood, MN | $227M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank and Trust Company of Illinois | Palatine, IL | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of San Rafael | San Rafael, CA | $222M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank of Bedias | Bedias, TX | $225M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Texoma National Bank | Durant, OK | $225M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Foundation Bank | Mc Kenzie, TN | $218M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Franklin State Bank & Trust Company | Winnsboro, LA | $225M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gateway Commercial Bank | Mesa, AZ | $231M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants State Bank | Freeman, SD | $220M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Metropolitan Bank | Oakland, CA | $230M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Nevada Bank and Trust Company | Caliente, NV | $217M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security Bank | Newbern, TN | $224M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security State Bank of Marine | Marine On St. Croix, MN | $233M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Anna -Jonesboro National Bank | Anna, IL | $234M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Citizens Bank | Enterprise, AL | $233M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Izard County | Calico Rock, AR | $235M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Waynesboro | Waynesboro, GA | $229M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Seymour Bank | Seymour, MO | $225M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Triad Bank, National Association | Tulsa, OK | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Uinta Bank | Mountain View, WY | $222M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank and Trust Company | Hampton, IA | $228M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Warren-Boynton State Bank | New Berlin, IL | $235M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West Central Bank | Ashland, IL | $232M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
MCS Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for MCS Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $137K | +$6K | +4.6% |
| Q1 2026 | $131K | +$5K | +4.0% |
| Q4 2025 | $126K | +$5K | +4.1% |
| Q3 2025 | $121K | +$4K | +3.4% |
| Q2 2025 | $117K | +$1K | +0.9% |
| Q1 2025 | $116K | −$13K | −10.1% |
| Q4 2024 | $129K | +$6K | +4.9% |
| Q3 2024 | $123K | +$10K | +8.8% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, MCS Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to MCS Bank by share.
Amounts from MCS Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per month
per day
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee | $9Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Closing account within 90 days | $22Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant fee (per month after 2 years of inactivity) | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Fee (Per Account) | $27Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Reconciliation of account (per hour -1/2 hour minimum) | $22Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess Activity fee on Savings or MMA Account (Per Item, Over 6) | $7Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Undeliverable Statement/Mail (per month) | $7Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Paid Item NSF Fee | $39Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Consecutive Day NSF Fee | $12Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item NSF Fee | $39Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft transfer from savings (per day) | $14Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Foreign ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace lost card | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire (domestic) | $27Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $17Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Wire (international) | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check (customers only) | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (per check/ACH or series of checks) | $39Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check | $0.35Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check cashing fee (account balance below $100) | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Deposit Fee (per item presented) | $22Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of cancelled check | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned deposited item | $17Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Night deposit bag key replacement | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Late payment fee | $7Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Tax Levy/Garnishment | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of statement | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where MCS Bank operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $196.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 7 | $196.1M |
Largest competitors nearby
Local market: Mifflin and Huntingdon counties, PA, where it holds the most deposits.
| 8 in its local market | Deposit share |
|---|---|
| Kish Bank | 41% |
| First National Bank of Pennsylvania | 15% |
| The Juniata Valley Bank | 13.7% |
| Community State Bank of Orbisonia | 13.3% |
| Mid Penn Bank | 3.9% |
This bank holds 10.5% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Fee change alerts
We check once a day and send one email covering every change.