Peoples Security Bank and Trust Company
BankRegReports is independent of Peoples Security Bank and Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Peoples Security Bank and Trust Company is an FDIC-insured commercial bank headquartered in Dunmore, PA, established in 1905 (FDIC certificate 7514), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.43B, up 6.5% from Q2 2025, the 15th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.75% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7514
- Headquarters
- Dunmore, PA
- Established
- 1905
- Total assets, Q2 2026
- $5.43B
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 12.75%
- Domestic offices
- 40 FDIC institution directory, current count
- Routing number
- 031311807
- Latest call report
- Q2 2026, FFIEC 041 · Peoples Security Bank and Trust Company call report
- Holding company
- PEOPLES FINANCIAL SERVICES CORP.
- Asset rank in state
- 15th of 109 in Pennsylvania
Little in Peoples Security Bank and Trust Company's latest call report stands out. Its balance sheet stood at $5.4 billion at June 30, 2026, up 6.5% from a year earlier; it is based in Dunmore, Pennsylvania. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Delinquency has appeared in its $435 million multifamily book: 0.56% of those loans are past due or on nonaccrual, against almost none a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.33% of loans, down from 0.44% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Peoples Security Bank and Trust Company reported a CET1 capital ratio of 12.75%, a return on assets of 1.27%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.78%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Peoples Security Bank and Trust Company is the 15th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $5.43B, loans rose 2.7% and deposits rose 1.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 21.5% of total loans, followed by 1-4 family residential loans at 20.5%. The FDIC Summary of Deposits lists 40 offices for it, in 36 cities across 3 states; its Dunmore office books 16% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peoples Security Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Blakely St, Dunmore, PA 18512
- County
- Lackawanna
- Metro Area
- Scranton--Wilkes-Barre, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1905
- Former names
- Peoples Neighborhood Bank (2010-2013); Peoples National Bank (2001-2010); Peoples National Bank of Susquehanna (1986-2001); Peoples National Bank of Susquehanna County (1965-1986)
- Domestic offices
- 40 FDIC institution directory, current count
- Employees (FTE)
- 577
- Domestic deposits
- $4.51B
- Allowance for credit losses
- $42.3M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $5.27B
- Average total loans
- $4.24B
- Average interest-bearing deposits
- $3.41B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7514
- Fed RSSD
- 278818
- SEC CIK
- 1056943 → filed by PEOPLES FINANCIAL SERVICES CORP.
- Website
- www.psbt.com →
- Parent Holding Company
- PEOPLES FINANCIAL SERVICES CORP. (RSSD 1139541) · PFIS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Gerard A Champi | CEO | CHIEF EXECUTIVE OFFICER |
| William E Aubrey Ii | CHR | CHAIRMAN |
| Thomas P Tulaney | PRES | PRESIDENT |
| James M Bone Jr | CFO | EVP/CHIEF FINANCIAL OFFICER |
| John R Anderson Iii | COO | EVP/CHIEF OPERATING OFFICER |
| Timothy Kirtley | CRO | EVP/CHIEF RISK OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Peoples Security Bank and Trust Company's total assets moved between a low of $3.62B (Q2 2024) and a high of $5.43B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.43B total assets against $5.10B; $4.82B total liabilities against $4.53B.
$4.26B net loans and leases against $3.96B; $4.51B total deposits against $4.29B.
$526.9M securities against $580.4M; $256.5M cash and balances due against $175.9M.
$67.7M total interest income against $65.5M; $20.2M total interest expense against $21.9M.
$47.5M net interest income against $43.5M.
$6.4M total noninterest income against $5.9M; $29.7M total noninterest expense against $27.4M.
$3.3M provision for credit losses against -$65K.
$16.7M net income against $17.4M.
1.27% return on assets against 1.37%; 3.95% net interest margin against 3.90%.
12.75% CET1 capital ratio against 12.98%; 10.46% tier 1 leverage ratio against 10.17%.
Inside the full Peoples Security Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Peoples Security Bank and Trust Company rankings
Its closest position to the top of a national ranking is 263 of 4,196, for total assets; its furthest is 1,484 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.25% (Q3 2024) to 1.37% (Q2 2025) and its net interest margin ran from 3.34% (Q3 2024) to 3.95% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.75% | 1.27% | 0.33% | 2.78% | 3.95% |
| Q1 2026 | 12.95% | 1.24% | 0.28% | 2.44% | 3.76% |
| Q4 2025 | 13.06% | 1.15% | 0.28% | 2.43% | 3.78% |
| Q3 2025 | 13.09% | 1.32% | 0.38% | 3.42% | 3.72% |
| Q2 2025 | 12.98% | 1.37% | 0.44% | 3.57% | 3.90% |
| Q1 2025 | 11.38% | 1.24% | 0.59% | 4.97% | 3.50% |
| Q4 2024 | 10.95% | 0.53% | 0.54% | 5.17% | 3.35% |
| Q3 2024 | 10.68% | -0.25% | 0.53% | 5.24% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 40 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Security Bank and Trust Company (main office) | Dunmore , PA | 18512 | $705.7M |
| Fncb Bank Branch | Scranton , PA | 18503 | $340.6M |
| Abington Branch | Clarks Summit , PA | 18411 | $227.5M |
| Montrose Branch | Montrose , PA | 18801 | $204.9M |
| Allentown Branch | Allentown , PA | 18104 | $176.0M |
| Emrick Corporate Center | Bethlehem , PA | 18020 | $155.2M |
| Lehigh Valley Branch | Bethlehem , PA | 18017 | $151.8M |
| Tunkhannock Branch | Tunkhannock , PA | 18657 | $134.1M |
| Old Forge Branch | Old Forge , PA | 18518 | $127.3M |
| Minooka Branch | Scranton , PA | 18505 | $122.8M |
| Hallstead Branch | Hallstead , PA | 18822 | $122.0M |
| Green Ridge Branch | Scranton , PA | 18509 | $115.3M |
| Wilkes-Barre Branch | Wilkes-Barre , PA | 18701 | $112.1M |
| Moscow Branch | Moscow , PA | 18444 | $102.1M |
| Meshoppen Branch | Meshoppen , PA | 18630 | $100.6M |
| King of Prussia Business Center Branch | King Of Prussia , PA | 19406 | $99.5M |
| Pittston Plaza Branch | Pittston , PA | 18640 | $97.1M |
| Hazleton Branch | Hazleton , PA | 18201 | $94.0M |
| Mount Pocono Branch | Mount Pocono , PA | 18344 | $90.0M |
| Doylestown Business Center Branch | Doylestown , PA | 18901 | $78.0M |
| Honesdale Branch | Honesdale , PA | 18431 | $73.5M |
| Nicholson Branch | Nicholson , PA | 18446 | $73.5M |
| Susquehanna Branch | Susquehanna , PA | 18847 | $72.2M |
| Hop Bottom Branch | Hop Bottom , PA | 18824 | $66.9M |
| Glenburn Branch | Clarks Summit , PA | 18411 | $66.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2024 | Structure Change | Acquired FNCB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2013 | Structure Change | Acquired Penn Security Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 23, 1965 | Structure Change | Acquired The Hop Bottom National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in PA, rank 25 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,506 applications, 1,020 loans originated, $425.1M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $2.1M approved, $426K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Peoples Security Bank and Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Peoples Security Bank and Trust Company with peers
Frequently asked about Peoples Security Bank and Trust Company
What are Peoples Security Bank and Trust Company's total assets?
As of the Q2 2026 filing, Peoples Security Bank and Trust Company reported total assets of $5.43 billion in its FFIEC call report.
Where is Peoples Security Bank and Trust Company headquartered?
It is headquartered in Dunmore, PA, United States.
When was Peoples Security Bank and Trust Company founded?
It was established in 1905, per the FDIC institution directory.
Is Peoples Security Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Security Bank and Trust Company?
Peoples Security Bank and Trust Company's primary federal regulator is the FDIC.
What is Peoples Security Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.75% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples Security Bank and Trust Company operate?
It operates 40 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Security Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 2.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Peoples Security Bank and Trust Company previously called?
The charter now named Peoples Security Bank and Trust Company has also operated as Peoples Neighborhood Bank (2010-2013), Peoples National Bank (2001-2010), Peoples National Bank of Susquehanna (1986-2001), Peoples National Bank of Susquehanna County (1965-1986), per FDIC structure-change records.
Go deeper on Peoples Security Bank and Trust Company.
Get an email when Peoples Security Bank and Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Peoples Security Bank and Trust Company, freeFree account