🏦Bank Scorer

PS BANK

WYALUSING, PA · Supervised by FDIC

Est. 1914FDIC #444RSSD: FDIC-444
Part ofPEOPLES LTD→ View all charters
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.93%

Institution Profile

FDIC BankFind

Address

42621 Route 6, WYALUSING, PA

County

Bradford County

Established

November 25, 1914

Total Assets

$662M(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

May 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$662M

Total Deposits

$579M

Net Loans

$425M

Net Income

$3M

ROA

1.93%

ROE

18.93%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate9.43%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$541M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202431876.73%9.43%
202332765.14%14.37%
202237568%8.80%
202157972.54%10.88%
202066570.38%12.33%
201939866.83%13.57%
201837967.81%13.98%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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