TellerScore

Peoples Security Bank and Trust Company (FDIC certificate #7514) is based in Dunmore, Pennsylvania. Its Q2 2026 call report shows $5.4B in total assets and $4.5B in deposits and 40 offices across 3 states.

Peoples Security Bank and Trust Company has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 53% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 47th. Problem-loan coverage contributes the most (95/100, 2.4%); funding & liquidity contributes the least (48/100, 94% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.46%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.33%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 94.5% · 31.0% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.35%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).

TellerScore
546269Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202455
Q4 202454
Q1 202563
Q2 202568
Q3 202569
Q4 202569
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%7.73%10.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.82%
Q3 20248.23%
Q4 20248.37%
Q1 20258.92%
Q2 202510.17%
Q3 202510.31%
Q4 202510.22%
Q1 202610.42%
Q2 202610.46%
Noncurrent loans
0.25%0.42%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.53%
Q4 20240.54%
Q1 20250.59%
Q2 20250.44%
Q3 20250.38%
Q4 20250.28%
Q1 20260.28%
Q2 20260.33%
Return on assets
0.18%0.74%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.18%
Q4 20240.29%
Q1 20251.24%
Q2 20251.30%
Q3 20251.31%
Q4 20251.27%
Q1 20261.21%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$5.4B10.46%0.33%1.23%94.5%
Q1 202669$5.4B10.42%0.28%1.21%93.8%
Q4 202569$5.3B10.22%0.28%1.27%90.8%
Q3 202569$5.2B10.31%0.38%1.31%92.7%
Q2 202568$5.1B10.17%0.44%1.30%92.3%
Q1 202563$5.0B8.92%0.59%1.24%91.5%
Q4 202454$5.1B8.37%0.54%0.29%89.6%
Q3 202455$5.4B8.23%0.53%0.18%86.9%
Q2 202463$3.6B9.82%0.25%0.48%92.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.46%
49th
Total risk-based capital13.74%
52nd
Problem loans0.33%
65th
Net charge-offs0.06%
41st
Return on assets1.23%
47th
Net interest margin3.75%
53rd
Efficiency ratio53.8%
65th
Loans to deposits94.5%
27th
Uninsured deposits31.0%
49th
Loan-loss reserves0.98%
29th
Texas ratio2.4%
65th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Orrstown BankBank Harrisburg, PA70 out of 100, Strong$5.6B10.0%0.60%vs
Firstrust Savings BankBank Conshohocken, PA68 out of 100, Moderate$5.6B11.4%0.79%vs
Mid Penn BankBank Millersburg, PA69 out of 100, Moderate$7.0B10.4%0.51%vs
ACNB BankBank Gettysburg, PA77 out of 100, Strong$3.3B11.2%0.40%vs
First Citizens Community BankBank Mansfield, PA52 out of 100, Below average$3.2B9.6%1.70%vs
Citizens & Northern BankBank Wellsboro, PA53 out of 100, Below average$3.1B10.0%1.70%vs

Deposit insurance

Is my money safe at Peoples Security Bank and Trust Company?

Yes. Peoples Security Bank and Trust Company is an FDIC-insured institution (FDIC certificate #7514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.0% of deposits ($1.4B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.74% (benchmark: 10%).

Check how much of your own balance is covered

40 locations

Branches

Peoples Security Bank and Trust Company lists 40 offices in 35 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples Security Bank and Trust Company reported 1,440 home-loan applications under HMDA (LEI 549300PJX0ZHPQ614C72): 1,020 originated ($425,110,000 total), 266 denied, and 121 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Peoples Security Bank and Trust Company
Former names
The First National Bank of Hallstead; Peoples National Bank; Peoples Neighborhood Bank; Peoples National Bank of Susquehanna; Peoples National Bank of Susquehanna County
Type
State-chartered bank
FDIC certificate #
7514
RSSD ID
278818
Primary regulator
FDIC
Holding company
Peoples Finl Services Corp
Established
January 1, 1905
Headquarters
100 S Blakely St, Dunmore, PA 18512
Employees
577

Quick answers

Peoples Security Bank and Trust Company: common questions

Is Peoples Security Bank and Trust Company FDIC insured?

Yes. Peoples Security Bank and Trust Company is an FDIC-insured institution (FDIC certificate #7514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Security Bank and Trust Company's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Peoples Security Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #7514 in the FDIC failed bank list.

How many branches does Peoples Security Bank and Trust Company have?

40 offices as of the latest FDIC data, in 3 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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