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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

$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

4.19%Q2 ’245.18%Q2 ’255.15%Q2 ’26+63%+5%

Non-interest income vs. expense

1.86%Q2 ’242.17%Q2 ’252.25%Q2 ’26+15%+4%

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 14 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.33% of loans (-11 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

1.23%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+16 bps YoY

Efficiency Ratio (quarter, annualized)

52.26%+35 bps YoY

Tier 1 Leverage Ratio

10.46%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.32%1.15%1.21%1.23%-14 bps
Return on Equity12.77%11.58%10.05%10.75%10.95%-182 bps
Net Interest Margin3.52%3.47%3.55%3.51%3.68%+16 bps
Efficiency Ratio51.91%54.41%56.86%55.50%52.26%+35 bps
Non-Interest Burden1.70%1.78%1.91%1.82%1.77%+7 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 / Loans-0.01%0.02%0.18%0.08%0.04%+4 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