Peoples Security Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Security Bank and Trust Company of Dunmore, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.27% | 1.46% | -0.19% | 49th below |
| ROAE | 10.95% | 12.72% | -1.77% | 40th below |
| Net Interest Margin | 3.95% | 3.85% | +0.10% | 65th above |
| Efficiency Ratio | 51.39% | 57.42% | -6.03% | 72nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.84% | 1.88% | -0.04% | 59th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.72% | -0.13% | 53rd above |
| Cost of Funds | 1.77% | 2.02% | -0.25% | 65th above |
| Net Interest Spread | 3.45% | 3.18% | +0.27% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 1.00% | -0.68% | 71st above |
| NPA / Total Assets | 0.28% | 0.76% | -0.48% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 47th below |
| ACL / Total Loans | 0.98% | 1.31% | -0.33% | 28th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 309.59% | 543.86% | -234.27% | 70th above |
| Texas Ratio | 2.78% | 7.40% | -4.62% | 68th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 378.11% | 619.20% | -241.09% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.75% | 17.35% | -4.60% | 38th below |
| Tier 1 Ratio | 12.75% | 17.38% | -4.63% | 38th below |
| Total Capital Ratio | 13.74% | 18.43% | -4.69% | 36th below |
| Leverage Ratio | 10.46% | 11.44% | -0.98% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.32% | 11.34% | -0.02% | 65th above |
| TCE / Tangible Assets | 9.65% | 10.50% | -0.85% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.43% | 86.94% | +8.49% | 28th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.26% | 85.55% | +2.71% | 48th below |
| Uninsured Deposit Ratio | 31.02% | 33.13% | -2.11% | 50th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.41% | 5.71% | -1.30% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.52% | 9.69% | -3.17% | 59th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.64% | 8.06% | -0.42% | 62nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.17% | 7.88% | -2.71% | 52nd above |
See Peoples Security Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Security Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples Security Bank and Trust Company profile, how to read a UBPR, or how this data updates.