Ps Bank (FDIC #444): Bank Stress & Real-Estate Credit Exposure

Ps Bank (FDIC Cert #444): bank stress 49/100, moderate, STABLE over 7 days; parent PEOPLES LTD.

Ps Bank (#444) lends in 5 counties across 1 state; Ps Bank (#444) reaches 98 ZIP codes: Pennsylvania 5 counties, 98 ZIPs.

Ps Bank (#444) largest markets: Susquehanna County, PA (31 branches, 31 ZIPs) (#444), Lackawanna County, PA (87 branches, 29 ZIPs) (#444), Bradford County, PA (112 branches, 28 ZIPs) (#444), Wyoming County, PA (30 branches, 15 ZIPs) (#444), Sullivan County, PA (13 branches, 13 ZIPs) (#444).

Ps Bank (#444) reports $674.5 million in total assets; Ps Bank (#444) equity $70.2 million (10.4% of Ps Bank (#444) assets); Ps Bank (#444) domestic deposits $588.0 million; Ps Bank (#444) net income $6.5 million; Ps Bank (#444) return on assets 1.98%; Ps Bank (#444) return on equity 19.36%; Ps Bank (#444) net interest income $13.0 million; Ps Bank (#444) call report June 30, 2026.

Ps Bank (#444) noncurrent real-estate loans: none reported; Ps Bank (#444) residential -0.02%; Ps Bank (#444) net charge-offs on real estate 0.13%; Ps Bank (#444) residential charge-offs 0.03%.

Ps Bank (#444) net interest margin 4.20% against an eight-quarter Ps Bank (#444) average of 3.75% (Ps Bank (#444) compression -0.45 points); Ps Bank (#444) non-residential real estate 3.1% of equity; Ps Bank (#444) rate-exposure score 40/100, Ps Bank (#444) fixed-rate trap 40/100; Ps Bank (#444) risk type credit driven; Ps Bank (#444) rate regime rates elevated, Ps Bank (#444) snapshot October 19, 2026.

Ps Bank (#444) stress score moved from 50.4 on June 22, 2026 to 49.5 on October 20, 2026; Ps Bank (#444) ranged 49.5 to 50.4 over 117 snapshots.

Ps Bank (#444) alerts: 5 counties; top Ps Bank (#444) alert scores: Dushore County, PA 19 (low); Montrose County, PA 19 (low); Scranton County, PA 19 (low); Tunkhannock County, PA 19 (low); Wyalusing County, PA 19 (low).