🏦Bank Scorer

PEOPLES SECURITY BANK AND TRUST COMPANY

DUNMORE, PA · Supervised by FDIC

Est. 1905FDIC #7,514RSSD: FDIC-7514
Part ofPEOPLES FINL SERVICES CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.21%

Institution Profile

FDIC BankFind

Address

100 S Blakely St, DUNMORE, PA

County

Lackawanna County

Established

January 1, 1905

Total Assets

$5.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.4B

Total Deposits

$4.4B

Net Loans

$4.2B

Net Income

$16M

ROA

1.21%

ROE

10.75%

Risk-Based Capital

13.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate20.73%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

39

Branch Deposits

$4.3B

1-Year Change

+11

5-year net change: +10 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,15868.39%20.73%
202382370.47%17.62%
20221,10576.29%11.76%
20211,21875.21%12.48%
20201,18467.15%14.10%
20191,02771.57%15.09%
201898072.24%12.86%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2013

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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