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
Unfavorable gap of $94.1M · efficiency ratio beats 62% 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% | 0.93% | 1.22% | 1.51% | Beats 50% | 160 / 317 | | |
| Return on Equity | 10.71% | 8.63% | 11.43% | 14.48% | Beats 43% | 180 / 317 | | |
| Net Interest Margin | 3.57% | 3.06% | 3.45% | 3.83% | Beats 59% | 130 / 317 | | |
| Efficiency Ratio | 56.73% | 51.90% | 59.69% | 67.53% | Beats 62% | 121 / 317 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.24% | 0.51% | 1.14% | Beats 67% | 103 / 311 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.12% | Beats 48% | 163 / 311 | | |
| Capital |
| Tier 1 Capital Ratio | 12.75% | 11.75% | 13.15% | 15.30% | Beats 44% | 177 / 317 | | |
| Total Risk-Based Capital Ratio | 13.74% | 12.63% | 14.21% | 16.26% | Beats 44% | 176 / 317 | | |
| Equity / Assets | 11.32% | 9.06% | 10.32% | 11.95% | Beats 65% | 111 / 317 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.43% | 76.63% | 88.04% | 95.67% | 74th pctl | 80 / 312 | | |
| Loans / Assets | 79.21% | 65.41% | 74.05% | 79.71% | 73rd pctl | 87 / 317 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |