Our Mission

We are an independent financial services company dedicated to the highest level of personal service in all that we do.

We are committed to:

  • Encouraging and enabling our customers to achieve their personal and business goals. This can only be accomplished by listening to our customers.
  • Maintaining an earnings level that provides our shareholders with a fair return on their investment.
  • Creating the opportunity for employees to pursue career development in a secure and pleasing work environment.
  • Providing traditional as well as new products and services via developing technology.
  • Remaining Independent.

These commitments are the foundation of the objectives and strategies of Mercer County State Bank.


Ray J. Kaltenbaugh
, Chairman, Retired CEO - Mercer County State Bank

Brian J. Raymond, President – Sandy Lake Mills, Inc.

Scott D. Patton, President & CEO - Mercer County State Bank

Kevin E. Watts, President - Laubscher Cheese Company

Michelle Gerwick, Chief Financial Officer – George Junior Republic

John O. Smith, Retired President - Hazlett Tree Service Inc.

Susan Cyphert, Partner - McGill, Power, Bell & Associates, LLP

Stephen K. Miller, SVP, Secretary, Treasurer & CFO - Mercer County State Bank