BlastPoint's Banking Scorecard
Peoples Security Bank and Trust Company
Mid-Market
Specialty: Commercial
PA
FDIC cert 7514
Dunmore, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
Peoples Security Bank and Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.3B
+3.5% YoY
+2.1% QoQ
|
-$5.2B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$4.0B
+1.9% YoY
+1.3% QoQ
|
-$3.1B |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$4.4B
+0.6% YoY
+3.4% QoQ
|
-$4.1B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.27%
+337.6% YoY
-3.2% QoQ
|
+0.10% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.69%
+22.5% YoY
+0.8% QoQ
|
+0.29% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
54.62%
-25.5% YoY
+1.5% QoQ
|
-1.98% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.28%
-48.5% YoY
-26.8% QoQ
|
-0.40% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
90.82%
+1.3% YoY
-2.0% QoQ
|
+5.35% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
21.78%
+1.4% YoY
+1.3% QoQ
|
+1.14% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.25%
-43.6% YoY
-29.1% QoQ
|
-0.25% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
13.06%
+19.2% YoY
-0.3% QoQ
|
-0.49% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.43%
+24.9% YoY
+28.6% QoQ
|
-0.52% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#10 of 80 · Bottom 11% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.82%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.68%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
62
62th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.40%
60
60th pctile
Efficiency Ratio
Current: 54.62% · Tier avg: 56.60%
59
59th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 21.78% · Tier avg: 20.64%
52
52th pctile
Tier 1 Capital Ratio
Current: 13.06% · Tier avg: 13.55%
36
36th pctile
Loan-to-Deposit Ratio
Current: 90.82% · Tier avg: 85.47%
26
26th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.96%
18
18th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
8
8th pctile
Total Deposits
Current: $4.4B · Tier avg: $8.5B
5
5th pctile
Total Assets
Current: $5.3B · Tier avg: $10.5B
Top Weaknesses
5
5th pctile
Total Assets
Current: $5.3B · Tier avg: $10.5B
8
8th pctile
Total Deposits
Current: $4.4B · Tier avg: $8.5B
18
18th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
26
26th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.96%
36
36th pctile
Loan-to-Deposit Ratio
Current: 90.82% · Tier avg: 85.47%
52
52th pctile
Tier 1 Capital Ratio
Current: 13.06% · Tier avg: 13.55%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 21.78% · Tier avg: 20.64%
59
59th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
60
60th pctile
Efficiency Ratio
Current: 54.62% · Tier avg: 56.60%
62
62th pctile
Net Interest Margin
Current: 3.69% · Tier avg: 3.40%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.68%