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Peoples Security Bank and Trust Company
Dunmore, PA·FDIC Cert #7514·Charter: STATE·Est. 19050101.0·HC: PEOPLES FINL SERVICES CORP
Total Assets
$5.3B
Q4 2025
Return on Assets
1.27%
-0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.62%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%-0.04
ROE
11.66%-0.54
Efficiency
54.62%+0.78
Equity/Assets
0.00%+0.00
NPL Ratio
0.28%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.82%-1.88
Charge-offs
0.07%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.5 | 0.2 | 0.3 | 1.2 | 1.3 | 1.3 | 1.3 |
| ROE | 4.9 | 4.7 | 1.8 | 2.9 | 12.3 | 12.5 | 12.2 | 11.7 |
| Efficiency | 74.1 | 74.2 | 74.5 | 73.3 | 55.3 | 53.5 | 53.8 | 54.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.5 | 0.5 | 0.6 | 0.4 | 0.4 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 88.5 | 92.8 | 86.9 | 89.6 | 91.5 | 92.3 | 92.7 | 90.8 |
Balance Sheet
Total Assets$5.3B
Total Deposits$4.4B
Total Loans$4.0B
Total Equity$599.6M
Profitability
ROA1.27%
ROE11.66%
Efficiency Ratio54.62%
Net Income$64.8M
Risk & Asset Quality
NPL Ratio0.28%
Charge-off Rate0.07%
Loan/Deposit90.82%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans