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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wyalusing, PA · FDIC certificate #444
PS BANK is an FDIC-insured institution based in Wyalusing, PA (FDIC certificate #444). In its Q3 2026 Call Report it reported total assets of $688M, total deposits of $598M and net loans of $466M. Its primary federal regulator is FDIC.
Plain-language readout
PS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $688M in Q3 2026 and were lowest at $662M in Q1 2026.
Total deposits were highest at $598M in Q3 2026 and lowest at $579M in Q1 2026.
Over the whole period total assets rose 3.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $688M | $598M | $466M | 1.97% | 19.43% | 4.28% |
| Q2 2026 | $675M | $588M | $436M | 1.98% | 19.36% | 4.20% |
| Q1 2026 | $662M | $579M | $425M | 1.93% | 18.93% | 4.09% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $74.7M | $79.4M | -$4.8M | -6.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $133.9M | $125.9M | +$7.9M | +6.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $4.5M | $2.6M | +$1.9M | +72.8% |
| Net loans and leases (after allowance) | $431.5M | $422.5M | +$9.0M | +2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.7M | $8.7M | -$53K | -0.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $601K | $636K | -$35K | -5.5% |
| All other assets | $20.7M | $22.6M | -$1.8M | -8.2% |
| Total assets | $674.5M | $662.5M | +$12.1M | +1.8% |
| Liabilities | ||||
| Total deposits | $588.0M | $578.8M | +$9.1M | +1.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $12.5M | $12.5M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.9M | $4.0M | -$105K | -2.6% |
| Total liabilities | $604.4M | $595.3M | +$9.0M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $213K | $213K | $0K | 0.0% |
| Surplus | $7.2M | $7.2M | $0K | 0.0% |
| Retained earnings | $68.4M | $65.6M | +$2.8M | +4.2% |
| Accumulated other comprehensive income | -$5.6M | -$5.9M | +$291K | +5.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $70.2M | $67.1M | +$3.1M | +4.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $429K | $159K | +$270K | +169.8% |
| Adjusted nonperforming assets | $429K | $159K | +$270K | +169.8% |
| Tangible equity plus allowance | $74.9M | $71.7M | +$3.2M | +4.5% |
| Texas ratio (gross) | 0.57% | 0.22% | +0.35 pts | See points |
| Texas ratio (adjusted) | 0.57% | 0.22% | +0.35 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.57% | 0.22% | +0.35 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.25% | 11.18% | +0.07 pts | See points |
| Construction and land loans to total capital | 10.71% | 9.22% | +1.49 pts | See points |
| Commercial real estate to total capital | 86.56% | 82.04% | +4.52 pts | See points |
| Dividend payout, year to date | 19.15% | 19.67% | -0.52 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.34% | -9.83% | +0.49 pts | See points |
| Liquidity | ||||
| Core deposits | $510.1M | $505.3M | +$4.8M | +0.9% |
| Non-core funding | $90.4M | $86.0M | +$4.3M | +5.1% |
| Loans to core deposits | 85.64% | 84.66% | +0.99 pts | See points |
| Loans to deposits | 74.30% | 73.90% | +0.40 pts | See points |
| Brokered deposits share of deposits | 5.10% | 5.18% | -0.08 pts | See points |
| Pledged securities share of securities | 40.08% | 41.74% | -1.65 pts | See points |
| Loans pledged, share of loans | 63.54% | 61.53% | +2.01 pts | See points |
| Volatile liabilities | $90.4M | $86.0M | +$4.3M | +5.1% |
| Earnings | ||||
| Earnings before provision, year to date | $7.6M | $3.8M | +$3.8M | +100.3% |
| Earnings before provision, single quarter | $3.8M | $3.8M | +$12K | +0.3% |
| Provision for credit losses, year to date | $200K | $50K | +$150K | +300.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.67% | 6.53% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.22% | +0.48 pts | See points |
| Total interest income to average assets | 5.58% | 5.40% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 1.35% | 1.42% | -0.06 pts | See points |
| Cost of savings and money market deposits | 1.80% | 1.78% | +0.02 pts | See points |
| Cost of time deposits | 3.27% | 3.20% | +0.08 pts | See points |
| Total interest expense to average assets | 1.56% | 1.56% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $688M | $598M | $466M | 1.97% | 19.43% | 4.28% |
| 2026-06-30 | $675M | $588M | $436M | 1.98% | 19.36% | 4.20% |
| 2026-03-31 | $662M | $579M | $425M | 1.93% | 18.93% | 4.09% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $540.7M | 0.10% | 79 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.