Dunmore, PA · Cert 7514 · Peoples Finl Services Corp.
State charter, non-member · FDIC · 40 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
56
Profitability
51
Liquidity
45
Efficiency
60
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.
Dunmore, PA · Cert 7514 · Peoples Finl Services Corp.
State charter, non-member · FDIC · 40 branches
Q2 2026
Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 17.2% share · #2 of 21 inst. · $2.9B of $16.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.29% | 1.24% | 1.30% | 1.31% | 1.27% | 1.21% | 1.23% | -8 bps | |
| Return on Equity | 1.81% | 2.92% | 12.33% | 12.46% | 12.20% | 11.66% | 10.75% | 10.85% | -161 bps | |
| Net Interest Margin | 2.05% | 2.31% | 3.26% | 3.39% | 3.40% | 3.38% | 3.51% | 3.57% | +18 bps | |
| Efficiency Ratio | 74.50% | 73.31% | 55.29% | 53.55% | 53.84% | 54.62% | 55.50% | 53.83% | +28 bps | |
| Non-Interest Burden | 1.45% | 1.63% | 1.68% | 1.69% | 1.71% | 1.73% | 1.82% | 1.79% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.94% | 35.83% | 36.06% | 41.05% | -3.76% | 3.52% | 8.49% | 6.52% | -3,453 bps | |
| Loan Growth (YoY) | 41.78% | 40.12% | 39.64% | 39.33% | -1.31% | 1.86% | 5.00% | 7.64% | -3,169 bps | |
| Deposit Growth (YoY) | 37.81% | 34.43% | 34.73% | 39.87% | -7.49% | 0.63% | 2.53% | 5.17% | -3,471 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.54% | 0.59% | 0.44% | 0.38% | 0.28% | 0.28% | 0.33% | -11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.09% | 0.04% | 0.04% | 0.07% | 0.08% | 0.06% | +1 bps | |
| Allowance / Loans | 0.97% | 1.05% | 1.03% | 1.02% | 0.99% | 0.96% | 0.94% | 0.98% | -4 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 1.7x | 2.3x | 2.6x | 3.4x | 3.4x | 3.0x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.23% | 8.37% | 8.92% | 10.17% | 10.31% | 10.22% | 10.42% | 10.46% | +29 bps | |
| Total Risk-Based Capital | 11.68% | 12.04% | 12.45% | 13.99% | 14.07% | 14.01% | 13.89% | 13.74% | -25 bps | |
| Equity / Assets | 9.48% | 9.83% | 10.28% | 11.27% | 11.46% | 11.40% | 11.20% | 11.32% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.77% | 90.59% | 92.44% | 93.24% | 93.63% | 91.70% | 94.66% | 95.43% | +219 bps | |
| Liquid Assets / Assets | 5.06% | 3.27% | 1.88% | 3.74% | 3.71% | 5.38% | 6.28% | 4.61% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 409% | 404% | 414% | n/a | n/a | |
Dunmore, PA · Cert 7514 · Peer group: banks $1B-$10B in assets (n=322-328) · Peoples Finl Services Corp.
State charter, non-member · FDIC · 40 branches
Q2 2026
Return on Assets
1.21%
Rank 166 of 328
Net Interest Margin
3.57%
Rank 135 of 328
Efficiency Ratio
56.73%
Rank 131 of 328
Equity / Assets
11.32%
Rank 115 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.91% | 1.22% | 1.52% | Beats 49% | 166 / 328 | ||
| Return on Equity | 10.71% | 8.43% | 11.45% | 14.43% | Beats 44% | 185 / 328 | ||
| Net Interest Margin | 3.57% | 3.03% | 3.45% | 3.83% | Beats 59% | 135 / 328 | ||
| Efficiency Ratio | 56.73% | 51.61% | 59.56% | 67.53% | Beats 60% | 131 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.24% | 0.51% | 1.03% | Beats 66% | 110 / 322 | ||
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 46% | 175 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.75% | 11.75% | 13.15% | 15.47% | Beats 45% | 182 / 328 | ||
| Total Risk-Based Capital Ratio | 13.74% | 12.63% | 14.15% | 16.46% | Beats 45% | 181 / 328 | ||
| Equity / Assets | 11.32% | 9.15% | 10.33% | 12.01% | Beats 65% | 115 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.43% | 76.63% | 87.92% | 95.36% | 75th pctl | 80 / 323 | ||
| Loans / Assets | 79.21% | 65.18% | 74.15% | 79.98% | 72nd pctl | 91 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||