Peoples Security Bank and Trust Company
Peoples Security Bank and Trust Company reported total assets of $5.4 bn at Q2 2026, up 6.5% on a year earlier, the 267th largest of 497 banks in our US coverage. The CET1 capital ratio at Peoples Security Bank and Trust Company was 12.75%. Peoples Security Bank and Trust Company held deposits of $4.5 bn. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Peoples Security Bank and Trust Company slipped from 186th to 306th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Peoples Security Bank and Trust Company has taken over one institution; the latest was FNCB Bank on (FDIC Call Reports).
What sets Peoples Security Bank and Trust Company apart
How large is Peoples Security Bank and Trust Company?
The balance sheet of Peoples Security Bank and Trust Company at : assets $5.4 bn, deposits $4.5 bn, net loans $4.3 bn (loans equal to 94.49% of deposits). Securities make up 9.7% of total assets at Peoples Security Bank and Trust Company. Since , when Peoples Security Bank and Trust Company held $1.9 bn, its assets grew 192.7%. In the year to , deposits at Peoples Security Bank and Trust Company rose 5.2% while its total assets rose 6.5%. At , Peoples Security Bank and Trust Company employed 577 full-time equivalent staff across 40 offices, about $9.4 mn of assets per employee and $112.7 mn of deposits per office.
How much funding at Peoples Security Bank and Trust Company is uninsured?
At Peoples Security Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 31.02% of domestic deposits at (+0.34 pp on a year earlier); Peoples Security Bank and Trust Company ranks 301st of 500 on this measure. In dollars, Peoples Security Bank and Trust Company estimated $1.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.5 bn | +5.2% | 270th of 499 |
| Net loans and leases | $4.3 bn | +7.7% | 250th of 500 |
| Loan-to-deposit ratio | 94.49% | +2.21 pp | 121st of 500 |
| Tier 1 leverage ratio | 10.46% | +0.29 pp | 230th of 500 |
| Total risk-based capital ratio | 13.74% | -0.25 pp | 278th of 448 |
| Net interest margin | 3.75% | +0.12 pp | 216th of 500 |
| Return on assets (ROA) | 1.23% | -0.08 pp | 297th of 500 |
| Efficiency ratio | 53.83% | +0.28 pp | 205th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $9.4 mn | Narrowed by $1.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $30.6 mn | Narrowed by $10.9 mn | |
| Noncurrent loans to total loans | 0.33% | -0.11 pp | 120th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | +0.01 pp | 208th of 500 (1 = lowest) |
US rank of Peoples Security Bank and Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Peoples Security Bank and Trust Company: assets, deposits and loans
- Total assets $5.4bn
- Deposits $4.5bn
- Net loans $4.3bn
Capital and securities
The CET1 ratio of Peoples Security Bank and Trust Company stood at 12.75% in , -0.23 pp year on year. Low and high at Peoples Security Bank and Trust Company since : 10.68% () to 13.76% (). Equity capital of Peoples Security Bank and Trust Company at : $615.1 mn, or 11.3% of total assets. Peoples Security Bank and Trust Company also reported a total capital ratio of 13.74% for , and a tier 1 leverage ratio of 10.46%.
On held-to-maturity securities, Peoples Security Bank and Trust Company carried an unrealized loss of $9.4 mn at , equal to 1.5% of equity capital. The loss narrowed by $1.5 mn over the year. Its deepest point: $17.4 mn in . The available-for-sale portfolio of Peoples Security Bank and Trust Company showed an unrealized loss of $30.6 mn at ; the loss narrowed by $10.9 mn over the year.
Peoples Security Bank and Trust Company: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 10%
Peoples Security Bank and Trust Company: unrealized securities gains and losses
- Available for sale -$31mn
- Held to maturity -$9mn
Profitability and loan quality
For the year to , Peoples Security Bank and Trust Company earned a return on equity of 10.85%; return on assets: 1.23%. Net interest margin at Peoples Security Bank and Trust Company: 3.75%, +0.12 pp in a year. Peoples Security Bank and Trust Company net income: $32.9 mn, down 0.1% year on year. The efficiency ratio of Peoples Security Bank and Trust Company was 53.83%: about 54 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.33% of total loans at Peoples Security Bank and Trust Company; net charge-offs: 0.06% of average loans. Gross loans and leases at Peoples Security Bank and Trust Company: $4.3 bn, up 7.6% in a year.
Peoples Security Bank and Trust Company: profitability
- Return on equity 11%
- Net interest margin 3.8%
- Return on assets 1.2%
Peer group of Peoples Security Bank and Trust Company
The peer group of Peoples Security Bank and Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Peoples Security Bank and Trust Company (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Pennsylvania. Against them, Peoples Security Bank and Trust Company shows CET1 ratio 12.75% against a peer median of 16.72%, return on equity 10.85% against a peer median of 17.68% and uninsured deposit share 31.02% against a peer median of 30.62%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Northfield Bank | Federal savings bank | NY | $5.5 bn | not reported | 7.33% | 50.35% | |
| Coastal Community Bank | State member bank | WA | $5.5 bn | 10.97% | -11.91% | 27.45% | |
| Green Dot Bank DBA Bonneville Bank | State member bank | UT | $5.4 bn | 31.97% | 29.74% | 3.68% | |
| Peoples Security Bank and Trust Company | State nonmember bank | PA | $5.4 bn | 12.75% | 10.85% | 31.02% | |
| Broadway National Bank | National bank | TX | $5.4 bn | 16.72% | 20.65% | 40.29% | |
| Stride Bank | National bank | OK | $5.4 bn | 18.76% | 27.72% | 6.23% | |
| The Canandaigua National Bank and Trust Company | National bank | NY | $5.4 bn | 12.34% | 14.71% | 33.80% | |
. FDIC Call Reports.
Last eight quarters
Two years at Peoples Security Bank and Trust Company, to : assets +1.5%, deposits -2.8%, equity +21.2%. Staff 539 to 577; offices 42 to 40.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.4 bn | $5.1 bn | $5.0 bn | $5.1 bn | $5.2 bn | $5.3 bn | $5.4 bn | $5.4 bn |
| Total deposits | $4.6 bn | $4.4 bn | $4.3 bn | $4.3 bn | $4.3 bn | $4.4 bn | $4.4 bn | $4.5 bn |
| Bank equity capital | $507.7 mn | $499.4 mn | $513.1 mn | $574.8 mn | $590.3 mn | $599.6 mn | $606.6 mn | $615.1 mn |
| CET1 ratio | 10.68% | 10.95% | 11.38% | 12.98% | 13.09% | 13.06% | 12.95% | 12.75% |
| Return on equity (ROE) | 1.81% | 2.92% | 12.33% | 12.46% | 12.20% | 11.66% | 10.75% | 10.85% |
| Uninsured share of domestic deposits | 19.54% | 31.34% | 29.99% | 30.67% | 32.34% | 34.26% | 34.49% | 31.02% |
| Full-time equivalent employees | 539 | 533 | 525 | 555 | 544 | 565 | 566 | 577 |
| Number of offices | 42 | 38 | 39 | 39 | 39 | 40 | 40 | 40 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Peoples Security Bank and Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed FNCB Bank (FDIC certificate 7472).
Large one-quarter moves at Peoples Security Bank and Trust Company
- Total assets at Peoples Security Bank and Trust Company changed by +48.0% in the quarter to 2024-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from FNCB Bank.
Questions and identifiers
What were the total assets of Peoples Security Bank and Trust Company?
Peoples Security Bank and Trust Company reported $5.4 bn at in its Call Report. That makes Peoples Security Bank and Trust Company the 267th largest of 497 banks in our US coverage.
Is Peoples Security Bank and Trust Company the same as its holding company?
No. This page covers Peoples Security Bank and Trust Company, FDIC certificate 7514; PEOPLES FINL SERVICES CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Peoples Security Bank and Trust Company profitable?
Peoples Security Bank and Trust Company reported net income of $32.9 mn for the year to ; annualized return on equity: 10.85%. So yes: Peoples Security Bank and Trust Company made a profit over these months.
When is data for Peoples Security Bank and Trust Company next updated?
Figures from Peoples Security Bank and Trust Company for are due after .
Where can I check the figures for Peoples Security Bank and Trust Company?
In the FDIC BankFind Suite record for certificate 7514, and in the Call Reports of Peoples Security Bank and Trust Company (RSSD ID 278818) at the FFIEC Central Data Repository.