Mercer County State Bank on Your Credit Report
In short: Headquartered in Sandy Lake, PA, Mercer County State Bank has operated since 1911 as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC lists it under certificate 445 with $611 million in total assets spread across 12 reported offices as of 06/30/2026. Because Mercer County State Bank lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Mercer County State Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Mercer County State Bank has been in continuous operation for 115 years, chartered June 20, 1911 and carried on the FDIC's books as certificate 445. Its 06/30/2026 call report shows 12 FDIC-reported offices and $611 million in total assets, averaging roughly $51 million per office.
How Mercer County State Bank appears on your credit report
Scale matters when you dispute. Mercer County State Bank reports $611 million in assets and 12 FDIC-reported offices — small enough that account histories are often reconstructed by hand from branch records in Sandy Lake. That tends to make verification slower but more thorough, and it means vague disputes get vague answers. Put the dispute in writing, name the specific field that is inaccurate, and keep a copy of what you sent and when.
Names it may report under
Products that commonly show up
- ◆Personal signature loans underwritten in-branch
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
Grounds to dispute a Mercer County State Bank entry
Each of these is a reason a Mercer County State Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Charge-off reported by Mercer County State Bank after the account was settled in full
- ◆Payment made in-branch on the due date but posted the following business day
- ◆Escrow or fee advance reported as a missed consumer payment
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Mercer County State Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Mercer County State Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Mercer County State Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Mercer County State Bank questions, answered
Is Mercer County State Bank FDIC-insured, and what is its certificate number?
Yes. Mercer County State Bank holds FDIC certificate 445. The FDIC record shows a charter established June 20, 1911, headquarters in Sandy Lake, PA, and 12 FDIC-reported offices with $611 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates Mercer County State Bank, and where do I escalate if a dispute fails?
Mercer County State Bank is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Mercer County State Bank?
None that can be attributed with confidence. Mercer County State Bank does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 12-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Mercer County State Bank would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a Mercer County State Bank charge-off stay on my credit report?
A charged-off Mercer County State Bank account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Mercer County State Bank charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Mercer County State Bank and disputing with a collector?
Mercer County State Bank holds the primary file; a collector holds a copy of selected fields. Disputing both matters, but the §623 route to Mercer County State Bank is the one that reaches the original application and payment records, and an inaccuracy corrected at the source should flow through to any derived collection tradeline.
Does Mercer County State Bank report to all three credit bureaus?
Most banks in this asset range do, but it is not automatic. Reporting is voluntary under the FCRA, and a bank the size of Mercer County State Bank — 12 offices, $611 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a Mercer County State Bank account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
Mercer County State Bank was acquired or changed names — why does my report show two accounts?
Charter consolidations are common in this part of the industry. A converted Mercer County State Bank account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1911, core-system conversions are the usual cause.
Can I dispute Mercer County State Bank reporting myself, without paying anyone?
Yes — the law puts this in your hands at no charge. Disputes to Mercer County State Bank under §623 and to the bureaus under §611 cost nothing but postage. Anyone promising certain deletion or a point gain is overstating what the process can deliver; results vary case by case.
What should I check first on Mercer County State Bank reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 115-year-old lender like Mercer County State Bank, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Mercer County State Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
Ready to Improve Your Credit Score?
Take the first step towards financial freedom today. Schedule your free consultation with our credit repair experts.