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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | 0.53% | 1.24% | 1.38% | 1.32% | 1.15% | 1.21% | 1.23% | -14 bps | |
| Return on Equity | -3.02% | 5.49% | 12.33% | 12.77% | 11.58% | 10.05% | 10.75% | 10.95% | -182 bps | |
| Net Interest Margin | 3.11% | 3.03% | 3.26% | 3.52% | 3.47% | 3.55% | 3.51% | 3.68% | +16 bps | |
| Efficiency Ratio | 74.82% | 70.79% | 55.29% | 51.91% | 54.41% | 56.86% | 55.50% | 52.26% | +35 bps | |
| Non-Interest Burden | 2.29% | 2.12% | 1.68% | 1.70% | 1.78% | 1.91% | 1.82% | 1.77% | +7 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% | 0.09% | 0.09% | -0.01% | 0.02% | 0.18% | 0.08% | 0.04% | +4 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 | |