PS BANK

WYALUSING, PA | Medium | Est. Nov. 25, 1914, midnight | FDIC #444 | RSSD #597313 | FDIC
Latest Report: 2025-12-31

PS BANK is amn medium FDIC-insured commercial bank headquartered in WYALUSING, PA, established in Nov. 25, 1914, midnight. As of 2025-12-31, the bank reported total assets of $641M and total deposits of $560M. Profitability stands at 1.76% ROA and 17.46% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 10.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.71%. FDIC Certificate #444.

Assets

$641M

Deposits

$560M

Loans

$425M

Equity

$65M

Profitability

Return on Assets (ROA) 1.76%
Return on Equity (ROE) 17.46%
Net Interest Margin (NIM) 4.19%
Yield on Assets 5.98%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.71%
NPA Ratio 0.08%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 10.12%
Tier 1 Capital 10.12%
Total Capital Ratio 10.63%
Leverage Ratio 11.06%
Loan-to-Deposit 75.94%

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