PS Bank: how it compares with its peers
Against 44 PA banks with half to twice its assets, PS Bank's strongest measure in Q2 2026 is return on assets (1.98% vs. a 0.91% peer median). Its weakest relative measure is assets per employee ($8.1M vs. $7.5M).
| Measure | PS Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.98% | 0.91% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.20% | 3.34% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.49% | 65.14% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.5M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.15% | 82.93% | Context |
What it means for lending operations
Its efficiency ratio of 49.49% is better than the 65.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- New Tripoli Bank New Tripoli, PA · $674M
- Pennian Bank Mifflintown, PA · $668M
- InFirst Bank Indiana, PA · $683M
- Asian Bank Philadelphia, PA · $686M
- Reliance Savings Bank Altoona, PA · $649M
- Phoenixville Federal Bank and Trust Phoenixville, PA · $648M
Questions about PS Bank
How big is PS Bank?
PS Bank, established in 1914, is headquartered in Wyalusing, PA. It reported $675M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is PS Bank's return on assets?
1.98% annualized in Q2 2026, against a 0.91% median for 44 PA banks with half to twice its assets, ahead of 98% of them.
What is PS Bank's efficiency ratio?
49.49% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 65.14%, and lower is better.
Is PS Bank growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 8.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.