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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +5.2% year over year ($4.5B on the books).
  • Delinquency rate 0.33%.
  • Return on assets 1.23%.
  • Efficiency ratio 53.83% vs a 59.73% peer average.
  • Loan-to-deposit ratio 94.49% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 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 5.90% below tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 42.1% in tier
  • - ROA 0.16% below tier average
  • - Net Interest Margin 0.12% below tier average
Get updates when Peoples Security Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $5.4B
+6.5% YoY +0.3% QoQ
+$2.6B $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
Top 12.2% in tier
Total Loans ? $4.3B
+7.7% YoY +2.6% QoQ
+$2.3B $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 10.8% in tier
Total Deposits ? $4.5B
+5.2% YoY +1.8% QoQ
+$2.2B $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Top 12.7% in tier
Return on Assets ? 1.23%
-5.9% YoY +1.0% QoQ
-0.16% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 3.75%
+3.3% YoY +2.5% QoQ
-0.12% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 53.83%
+0.5% YoY -3.0% QoQ
-5.90% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 0.33%
-24.9% YoY +18.6% QoQ
-0.53% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 94.49%
+2.4% YoY +0.8% QoQ
+9.46% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 21.43%
+1.0% YoY -3.4% QoQ
+0.15% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
58%
Nonperforming Asset Ratio ? 0.28%
-20.1% YoY +16.0% QoQ
-0.39% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 12.75%
-1.8% YoY -1.6% QoQ
-2.10% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.23%
-4.5% YoY +107.0% QoQ
-0.30% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
36%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 21.4%
+0.2pp YoY
-0.7pp QoQ
 +0.1pp 21.4% 18.7% 22.2% 58%
Brokered Deposits 7.7%
+3.1pp YoY
+5.2pp QoQ
 -1.7pp 9.5% 6.8% 8.5% 61%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 17.2%
-0.9pp YoY
+0.2pp QoQ
 +3.2pp 14.0% 8.6% 12.5% 74%
CRE 53.2%
+0.4pp YoY
+0.1pp QoQ
 +3.2pp 50.0% 37.9% 41.4% 60%
1-4 Family 20.7%
+1.0pp YoY
0.0pp QoQ
 -5.8pp 26.4% 47.8% 31.3% 44%
Consumer 2.3%
-0.7pp YoY
-0.1pp QoQ
 -2.4pp 4.7% 3.8% 5.0% 67%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 12.8%
-0.2pp YoY
-0.2pp QoQ
 -2.8pp 15.6% 22.3% 19.7% 38%
Leverage Ratio 10.5%
+0.3pp YoY
0.0pp QoQ
 -0.9pp 11.3% 13.2% 12.6% 49%
Total Capital Ratio 13.7%
-0.3pp YoY
-0.1pp QoQ
 -3.0pp 16.7% 23.3% 20.8% 35%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 577
+22 (+4.0%) YoY
+11 (+1.9%) QoQ
 +263 313 299 482 87%
Assets per Employee ($) $9.4M
+2.5% YoY
-1.6% QoQ
 -$1.1M $10.5M $9.2M $8.8M 59%
Branch Count 40
+1 (+2.6%) YoY
0 QoQ
 +20 20 20 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 32%
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 0.8% 0.9% 1.0% 33%
Allowance Coverage 3.00x
+28.0% YoY
-12.2% QoQ
 -15.71x 18.71x 3.63x 20.23x 64%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 10.8%
-1.6pp YoY
+0.1pp QoQ
 -1.7pp 12.6% 10.2% 11.6% 40%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.8% 1.7% 31%
Net Income ($, YTD) $32.9M
-0.1% YoY
— QoQ
 +$13.7M $19.2M $18.2M $40.4M 84%

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
#153 of 361 • Bottom 42.1% 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: 94.49%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

97
Total Loans
size
Value: $4.26B
Peer Median: $1.96B
#97 of 885 Top 10.8% in $1B-$10B
109
Total Assets
size
Value: $5.43B
Peer Median: $2.79B
#109 of 885 Top 12.2% in $1B-$10B
113
Total Deposits
size
Value: $4.51B
Peer Median: $2.32B
#113 of 885 Top 12.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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