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Peoples Security Bank and Trust Company

Dunmore, PA · Cert 7514 · Peoples Finl Services Corp.

State charter, non-member · FDIC · 40 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

62

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Peoples Security Bank and Trust Company

Dunmore, PA · Cert 7514 · Peoples Finl Services Corp.

State charter, non-member · FDIC · 40 branches

Q2 2026

$5.4BAssets
$4.3BLoans
$4.5BDeposits
$615.1MEquity
Loan mix
79%RE $3.1B18%C&I $0.7B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $3.5B21%Noninterest $1.0BQ2 2025Q2 2026

NIM

4.23%Q2 ’245.07%Q2 ’255.03%Q2 ’26+56%+5%

Non-interest income vs. expense

1.87%Q2 ’242.17%Q2 ’252.25%Q2 ’26+13%+6%

Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 17.2% share · #2 of 21 inst. · $2.9B of $16.9B

24.9% Lackawanna
7.4% Luzerne
40.3% Susquehanna
3.1% Lehigh

Executive Summary

  • Earnings: ROA of 1.23%, down 8 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.33% of loans (-11 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.46%, up 29 bps from a year ago.
  • Funding: loans stand at 95.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+18 bps YoY

Efficiency Ratio (YTD, annualized)

53.83%+28 bps YoY

Tier 1 Leverage Ratio

10.46%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.31%1.27%1.21%1.23%-8 bps
Return on Equity12.46%12.20%11.66%10.75%10.85%-161 bps
Net Interest Margin3.39%3.40%3.38%3.51%3.57%+18 bps
Efficiency Ratio53.55%53.84%54.62%55.50%53.83%+28 bps
Non-Interest Burden1.69%1.71%1.73%1.82%1.79%+10 bps
Growth
Asset Growth (YoY)41.05%-3.76%3.52%8.49%6.52%-3,453 bps
Loan Growth (YoY)39.33%-1.31%1.86%5.00%7.64%-3,169 bps
Deposit Growth (YoY)39.87%-7.49%0.63%2.53%5.17%-3,471 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.38%0.28%0.28%0.33%-11 bps
Net Charge-Offs / Loans0.04%0.04%0.07%0.08%0.06%+1 bps
Allowance / Loans1.02%0.99%0.96%0.94%0.98%-4 bps
Allowance Coverage of NPLs2.3x2.6x3.4x3.4x3.0x+0.7x
Capital
Tier 1 Leverage Ratio10.17%10.31%10.22%10.42%10.46%+29 bps
Total Risk-Based Capital13.99%14.07%14.01%13.89%13.74%-25 bps
Equity / Assets11.27%11.46%11.40%11.20%11.32%+5 bps
Liquidity & Funding
Loans / Deposits93.24%93.63%91.70%94.66%95.43%+219 bps
Liquid Assets / Assets3.74%3.71%5.38%6.28%4.61%+86 bps
CRE / Total Capitaln/a409%404%414%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Peoples Security Bank and Trust Company

Dunmore, PA · Cert 7514 · Peer group: banks $1B-$10B in assets (n=311-317) · Peoples Finl Services Corp.

State charter, non-member · FDIC · 40 branches

Q2 2026

$5.4BAssets
$4.3BLoans
$4.5BDeposits
$615.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 67% of banks $1B-$10B in assets (rank 103 of 311).
  • Widest gap: return on equity trails 57% of banks $1B-$10B in assets (rank 180 of 317).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.21%

Rank 160 of 317

Net Interest Margin

3.57%

Rank 130 of 317

Efficiency Ratio

56.73%

Rank 121 of 317

Equity / Assets

11.32%

Rank 111 of 317

Non-interest income vs. expense

$24.6M$118.7MINCOMEEXPENSE
Unfavorable gap of $94.1M · efficiency ratio beats 62% of banks $1B-$10B in assets
Bank 56.73%Peer median 59.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.93%1.22%1.51%Beats 50%160 / 317
Return on Equity10.71%8.63%11.43%14.48%Beats 43%180 / 317
Net Interest Margin3.57%3.06%3.45%3.83%Beats 59%130 / 317
Efficiency Ratio56.73%51.90%59.69%67.53%Beats 62%121 / 317
Asset Quality
Nonperforming Loans / Loans0.33%0.24%0.51%1.14%Beats 67%103 / 311
Net Charge-Offs / Loans0.04%0.01%0.04%0.12%Beats 48%163 / 311
Capital
Tier 1 Capital Ratio12.75%11.75%13.15%15.30%Beats 44%177 / 317
Total Risk-Based Capital Ratio13.74%12.63%14.21%16.26%Beats 44%176 / 317
Equity / Assets11.32%9.06%10.32%11.95%Beats 65%111 / 317
Liquidity & Funding
Loans / Deposits95.43%76.63%88.04%95.67%74th pctl80 / 312
Loans / Assets79.21%65.41%74.05%79.71%73rd pctl87 / 317
Brokered Deposits / Depositsn/aNot reported for this institution