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Peoples Security Bank and Trust Company

$1B-$10B Specialty: Commercial PA FDIC cert 7514

Dunmore, PA

40 branches across PA · NY · NJ

884 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Peoples Security Bank and Trust Company has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 5.56% below tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 25.8% in tier
  • - ROA 0.15% below tier average
  • - Net Interest Margin 0.16% below tier average
Get updates when Peoples Security Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $5.4B
+8.5% YoY +2.9% QoQ
+$2.6B $2.8B
-0.1% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
Top 13.1% in tier
Total Loans ? $4.2B
+5.1% YoY +3.1% QoQ
+$2.2B $2.0B
+0.6% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
Top 11.4% in tier
Total Deposits ? $4.4B
+2.5% YoY -0.2% QoQ
+$2.1B $2.3B
-0.3% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
Top 13.3% in tier
Return on Assets ? 1.21%
-2.0% YoY -4.1% QoQ
-0.15% 1.37%
+19.6% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
48%
Net Interest Margin ? 3.66%
+4.3% YoY -0.7% QoQ
-0.16% 3.82%
+6.9% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
51%
Efficiency Ratio ? 55.50%
+0.4% YoY +1.6% QoQ
-5.56% 61.06%
-4.6% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
62%
Delinquency Rate ? 0.28%
-53.3% YoY -0.6% QoQ
-0.61% 0.89%
+14.1% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
72%
Loan-to-Deposit Ratio ? 93.77%
+2.5% YoY +3.2% QoQ
+9.56% 84.20%
+0.3% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
27%
Non-Interest-Bearing Deposit Share ? 22.17%
+4.8% YoY +1.8% QoQ
+0.89% 21.29%
-2.5% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
61%
Nonperforming Asset Ratio ? 0.25%
-49.8% YoY -0.8% QoQ
-0.43% 0.67%
+15.6% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
69%
Tier 1 Capital Ratio ? 12.95%
+13.8% YoY -0.8% QoQ
-2.21% 15.16%
+2.0% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.11%
-11.4% YoY -74.8% QoQ
-0.15% 0.26%
+1.6% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
36%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#87 of 334 • Bottom 25.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.77%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

102
Total Loans
size
Value: $4.15B
Peer Median: $1.96B
#102 of 884 Top 11.4% in $1B-$10B
117
Total Assets
size
Value: $5.42B
Peer Median: $2.82B
#117 of 884 Top 13.1% in $1B-$10B
119
Total Deposits
size
Value: $4.43B
Peer Median: $2.34B
#119 of 884 Top 13.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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