Peoples Security B&T Co (FDIC #7514): Bank Stress & Real-Estate Credit Exposure
Peoples Security B&T Co (FDIC Cert #7514): bank stress 61/100, elevated, STABLE over 7 days; parent PEOPLES FINL SERVICES CORP.
Peoples Security B&T Co (#7514) lends in 15 counties across 3 states; Peoples Security B&T Co (#7514) reaches 609 ZIP codes: Pennsylvania 13 counties, 534 ZIPs; New Jersey 1 county, 44 ZIPs; New York 1 county, 31 ZIPs.
Peoples Security B&T Co (#7514) largest markets: Allegheny County, PA (119 branches, 119 ZIPs) (#7514), Montgomery County, PA (71 branches, 71 ZIPs) (#7514), Lancaster County, PA (61 branches, 61 ZIPs) (#7514), Bucks County, PA (60 branches, 60 ZIPs) (#7514), Luzerne County, PA (459 branches, 51 ZIPs) (#7514), Middlesex County, NJ (44 branches, 44 ZIPs) (#7514).
Peoples Security B&T Co (#7514) reports $5.43 billion in total assets; Peoples Security B&T Co (#7514) equity $615.1 million (11.3% of Peoples Security B&T Co (#7514) assets); Peoples Security B&T Co (#7514) domestic deposits $4.51 billion; Peoples Security B&T Co (#7514) net income $32.9 million; Peoples Security B&T Co (#7514) return on assets 1.23%; Peoples Security B&T Co (#7514) return on equity 10.85%; Peoples Security B&T Co (#7514) net interest income $92.3 million; Peoples Security B&T Co (#7514) call report June 30, 2026.
Peoples Security B&T Co (#7514) noncurrent real-estate loans 0.01% of its book; Peoples Security B&T Co (#7514) net charge-offs on real estate 0.32%; Peoples Security B&T Co (#7514) multifamily charge-offs 0.01%; Peoples Security B&T Co (#7514) residential charge-offs 0.38%.
Peoples Security B&T Co (#7514) net interest margin 3.75% against an eight-quarter Peoples Security B&T Co (#7514) average of 3.47% (Peoples Security B&T Co (#7514) compression -0.29 points); Peoples Security B&T Co (#7514) real-estate loans 1.0% of equity; Peoples Security B&T Co (#7514) non-residential real estate 37.6% of equity; Peoples Security B&T Co (#7514) rate-exposure score 40/100, Peoples Security B&T Co (#7514) fixed-rate trap 40/100; Peoples Security B&T Co (#7514) risk type credit driven; Peoples Security B&T Co (#7514) rate regime rates elevated, Peoples Security B&T Co (#7514) snapshot October 20, 2026.
Peoples Security B&T Co (#7514) stress score moved from 60.5 on June 22, 2026 to 61.4 on October 20, 2026; Peoples Security B&T Co (#7514) ranged 60.5 to 61.4 over 117 snapshots.
Peoples Security B&T Co (#7514) alerts: 14 counties; top Peoples Security B&T Co (#7514) alert scores: Lebanon County, PA 38 (moderate); Lancaster County, PA 38 (moderate); Susquehanna County, PA 34 (low); Bethlehem County, PA 21 (low); Conklin County, PA 21 (low).