Peoples Security Bank and Trust Company: how it compares with its peers
Against 13 PA banks with half to twice its assets, Peoples Security Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($9.4M vs. a $9.1M peer median). Its weakest relative measure is return on assets (1.23% vs. 1.36%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.23% | 1.36% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.90% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.83% | 56.29% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $9.1M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.49% | 89.69% | Context |
What it means for lending operations
Its efficiency ratio of 53.83% is better than the 56.29% 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
- Orrstown Bank Harrisburg, PA · $5.61B
- Firstrust Savings Bank Conshohocken, PA · $5.62B
- Mid Penn Bank Millersburg, PA · $7.04B
- ACNB Bank Gettysburg, PA · $3.30B
- First Citizens Community Bank Mansfield, PA · $3.19B
- Citizens & Northern Bank Wellsboro, PA · $3.14B
Questions about Peoples Security Bank and Trust Company
How big is Peoples Security Bank and Trust Company?
Peoples Security Bank and Trust Company, established in 1905, is headquartered in Dunmore, PA. It reported $5.43B in total assets in its Q2 2026 FDIC call report and operates 40 offices.
What is Peoples Security Bank and Trust Company's return on assets?
1.23% annualized in Q2 2026, against a 1.36% median for 13 PA banks with half to twice its assets, ahead of 31% of them.
What is Peoples Security Bank and Trust Company's efficiency ratio?
53.83% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 56.29%, and lower is better.
Is Peoples Security Bank and Trust Company growing its loans?
Net loans grew 7.7% over the year to Q2 2026, while deposits grew 5.2%.
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.