Peoples Security Bank and Trust Company
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
$5.4BAssets
$4.3BLoans
$4.5BDeposits
$615.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of banks $1B-$10B in assets (rank 110 of 322).
- Widest gap: return on equity trails 56% of banks $1B-$10B in assets (rank 185 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $94.1M · efficiency ratio beats 60% of banks $1B-$10B in assets | 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 |