TellerScore

PS Bank (FDIC certificate #444) is based in Wyalusing, Pennsylvania. Its Q2 2026 call report shows $674.5M in total assets and $588.0M in deposits and 11 offices.

Based on its Q2 2026 filing, PS Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 14th. Its strongest component is earnings (99/100; 1.98%), and its lowest is capital cushion (62/100; 11.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.25%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings99/100
Return on assets (annualized): 1.98%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 74.2% · 27.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.57%

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

From Q2 2025 to Q2 2026, the score rose 7 points (76 → 83), mostly because the earnings component improved by 22 points.

TellerScore
758084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202476
Q4 202476
Q1 202575
Q2 202576
Q3 202578
Q4 202580
Q1 202684
Q2 202683
Tier 1 leverage ratio
5.00%8.12%11.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.14%
Q3 202411.01%
Q4 202410.83%
Q1 202510.81%
Q2 202510.83%
Q3 202510.88%
Q4 202511.06%
Q1 202611.18%
Q2 202611.25%
Noncurrent loans
0.04%0.20%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.18%
Q4 20240.17%
Q1 20250.37%
Q2 20250.31%
Q3 20250.26%
Q4 20250.14%
Q1 20260.04%
Q2 20260.10%
Return on assets
1.27%1.63%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.28%
Q4 20241.30%
Q1 20251.40%
Q2 20251.44%
Q3 20251.61%
Q4 20251.65%
Q1 20261.93%
Q2 20261.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$674.5M11.25%0.10%1.98%74.2%
Q1 202684$662.5M11.18%0.04%1.93%73.4%
Q4 202580$640.9M11.06%0.14%1.65%75.0%
Q3 202578$628.4M10.88%0.26%1.61%74.4%
Q2 202576$615.3M10.83%0.31%1.44%74.3%
Q1 202575$597.9M10.81%0.37%1.40%76.1%
Q4 202476$581.2M10.83%0.17%1.30%74.3%
Q3 202476$570.5M11.01%0.18%1.28%76.8%
Q2 202478$554.0M11.14%0.11%1.27%74.6%

2,650 peers · $100 million – $1 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 ratio11.25%
55th
Total risk-based capital0.00%
24th
Problem loans0.10%
74th
Net charge-offs0.01%
46th
Return on assets1.98%
86th
Net interest margin4.20%
65th
Efficiency ratio49.5%
84th
Loans to deposits74.2%
62nd
Uninsured deposits27.4%
37th
Loan-loss reserves1.21%
52nd
Texas ratio0.6%
76th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
New Tripoli BankBank New Tripoli, PA66 out of 100, Moderate$674.0M10.6%0.89%vs
Pennian BankBank Mifflintown, PA55 out of 100, Moderate$667.9M9.2%1.09%vs
InFirst BankBank Indiana, PA69 out of 100, Moderate$683.2M9.5%0.10%vs
Asian BankBank Philadelphia, PA72 out of 100, Strong$685.9M19.1%1.22%vs
Reliance Savings BankBank Altoona, PA67 out of 100, Moderate$648.9M12.2%0.26%vs
Phoenixville Federal Bank and TrustBank Phoenixville, PA67 out of 100, Moderate$648.0M12.6%1.25%vs

Deposit insurance

Is my money safe at PS Bank?

Yes. PS Bank is an FDIC-insured institution (FDIC certificate #444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.4% of deposits ($161.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

PS Bank lists 11 offices in 10 cities. Most locations:

  • Wyalusing, PA (2)
  • Clarks Summit, PA (1)
  • Dushore, PA (1)
  • Factoryville, PA (1)
  • Montrose, PA (1)
  • Sayre, PA (1)
  • Scranton, PA (1)
  • South Abington Township, PA (1)
  • Towanda, PA (1)
  • Tunkhannock, PA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, PS Bank reported 305 home-loan applications under HMDA (LEI 549300RXD00V454J4078): 221 originated ($47,735,000 total), 22 denied, and 57 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.9%, 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
PS Bank
Former names
People's State Bank of Wyalusing, Pennsylvania
Type
State-chartered bank
FDIC certificate #
444
RSSD ID
597313
Primary regulator
FDIC
Holding company
Peoples Ltd
Established
November 25, 1914
Headquarters
42621 Route 6, Wyalusing, PA 18853
Employees
83

Quick answers

PS Bank: common questions

Is PS Bank FDIC insured?

Yes. PS Bank is an FDIC-insured institution (FDIC certificate #444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PS Bank's TellerScore?

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

Has PS Bank ever failed?

There is no failure record for FDIC certificate #444 in the FDIC failed bank list.

How many branches does PS Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wyalusing

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
Peoples Security Bank and Trust CompanyBank Dunmore, PA69 out of 100, Moderate$5.4B10.5%0.33%vs
Alero Financial Credit UnionCredit union Elgin, IL66 out of 100, Moderate$953.5M11.9%0.79%vs
Visions Federal Credit UnionCredit union Endicott, NY64 out of 100, Moderate$5.5B10.0%0.89%vs
First National Bank of PennsylvaniaBank Greenville, PA64 out of 100, Moderate$50.8B9.4%0.38%vs