Peoples Security Bank and Trust Company
Dunmore, Pennsylvania, Lackawanna County
$5.4B in total assets, the 277th largest of 4,309 US banks and 15th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7514
- Established
- 1905
- Owned by
- Peoples Finl Services Corp
- Primary regulator
- FDIC
- Website
- www.psbt.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.4B | 83% | $2.2B | |
| Loans | $4.3B | 86% | $1.6B | |
| Deposits | $4.5B | 83% | $1.8B | |
| Return on assets | 1.23% | 58% | 1.16% | |
| Net interest margin | 3.75% | 53% | 3.71% | |
| Efficiency ratio | 53.8% | 28% | 59.5% | |
| Equity to assets | 11.32% | 75% | 10.31% | |
| Loans to deposits | 95% | 72% | 89% |
Growth
Total assets grew 12.6% a year over the last 5 years and 11.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2024 | FNCB Bank Dunmore, PA | $1.8B |
| Dec 2013 | Penn Security Bank and Trust Company Scranton, PA | $914M |
Where they operate
40 branches in 15 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lackawanna County, PA | $2.0B | 24.8% | 1 of 17 |
| Luzerne County, PA | $601M | 7.4% | 4 of 18 |
| Susquehanna County, PA | $466M | 40.3% | 1 of 6 |
| Lehigh County, PA | $328M | 3.1% | 10 of 24 |
| Wyoming County, PA | $308M | 39.3% | 1 of 5 |
| Northampton County, PA | $155M | 2.0% | 12 of 21 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 15 branches since 2016 (25 to 40, +60.0%). 11 opened, 11 acquired, 7 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 25 | |||
| 2016 | Opened King Of PrussiaClosed Binghamton | 1 | 1 | 0 | 25 |
| 2017 | Opened Allentown and Bethlehem | 2 | 0 | +2 | 27 |
| 2019 | Opened Lebanon | 1 | 0 | +1 | 28 |
| 2020 | Opened DoylestownClosed 3 in Pennsylvania | 1 | 3 | −2 | 26 |
| 2021 | Opened 3 in 3 statesClosed Binghamton | 3 | 1 | +2 | 28 |
| 2023 | Opened King Of PrussiaClosed King Of Prussia | 1 | 1 | 0 | 28 |
| 2024 | Acquired FNCB BankOpened Scranton, closed Scranton | 12 | 1 | +11 | 39 |
| 2025 | Opened Lancaster | 1 | 0 | +1 | 40 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 32% | |
| 1-4 family residential | 20% | 35% | |
| Business (C&I) | 17% | 10% | |
| Multifamily | 10% | 7% | |
| Construction and land | 8% | 6% | |
| Consumer | 2% | 3% | |
| Farmland | 0% | 3% | |
| Other | 7% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 54% | |
| Noninterest-bearing | 21% | 19% | |
| Time deposits | 19% | 27% |
Brokered deposits are 7.7% of deposits (peers 2.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.33% | 0.58% |
| Net charge-offs, annualized | 0.06% | 0.04% |
| Reserves to loans | 0.98% | 0.98% |
| Leverage ratio | 10.46% | 9.89% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Lackawanna County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/peoples-security