# PS BANK
WYALUSING, PA · FDIC certificate 444 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $674.5M | |
| Deposits | $588.0M | |
| Loans and leases | $441.3M | |
| Total equity | $70.2M | |
| Loans / deposits | 74.15% (p33 of band) | 82.04% |
| Liquid assets / assets | 30.92% (p66 of band) | |
| Uninsured deposits / deposits | 27.43% (p57 of band) | 25.97% |
| Brokered deposits | 4.45% | |
| Wholesale funding | 6.30% (p64 of band) | |
| FHLB advances / assets | 1.85% | |
| Tier 1 leverage | 11.25% (p59 of band) | 10.81% |
| Unrealized securities loss / equity | -10.05% (p43 of band) | -8.10% |
| AOCI / equity | -0.79% (p30 of band) | |
| ROA (annualized) | 1.98% (p86 of band) | 1.28% |
| Net interest margin | 4.20% (p67 of band) | 3.91% |
| Efficiency ratio | 49.49% (p18 of band) | |
| Noncurrent loans | 0.10% (p23 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 1246.62% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 12.38% (p17 of band) | |
| Auto loans | $21.1M (4.77% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $9.3M (13% of equity) (p97 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 83 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | capital falling | reserve under noncurrent |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 | capital falling | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 | uninsured deposits leaving | capital falling |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2018-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | deposits shrinking | securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-18 [People on the Move, January 18, 2026 - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMihgFBVV95cUxPM3BKM1dqaDhVQzhZQWNMZmxnRFcwUGNmd1R1Q2h2MXhzZV91eFZsMmZieGQ0TmhqNi00WW5ESG8tSmxteW5nc2N1V2dKaDNKQ1pDRGdoOVViOF9FZ3RqbVV3QlU5T1l5eDFnUGlTZGRzSVhsZEw1Z3FOWjNNamNpR2FLTEZpUQ?oc=5) · Scranton Times-Tribune
- 2026-07-15 [Diokno cites Corona subpoena in push to disclose Sara Duterte's bank records - gmanetwork.com](https://news.google.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?oc=5) · gmanetwork.com
- 2023-08-01 [PS Bank earns spots on lists - Wyoming County Examiner](https://news.google.com/rss/articles/CBMidkFVX3lxTE5yazVhcEt3SV9Jajd0X2FTdlFCdlV0amhTQkljSUNkZTgyaHVCanBFdjgxbTkyMmhyVVFnSWNWZ21oRU9VTEtld2d0M2h4cEhYUXduQ0Jja05kNWFmcnFkV1lpbUIxVnhtRERoOElsRVBZaXVkQ3c?oc=5) · Wyoming County Examiner
- 2025-07-08 ['Water for a Worthy Cause' helps hydrate firefighters in Lackawanna County - WNEP](https://news.google.com/rss/articles/CBMiqAJBVV95cUxQOXdBcUdMWk5qemY4Um0tRlNhR0ZLandtbkZ3bURTVTZ3QUd4clJCeHd4UVpkWGNYdGlwVjhfcWhJZXZHUmN5MWVJTTVTV01vZVRibFhfRE9kR1J5SWxVVjBtci1BWVNvTmR4Vk5SOG94bWlialJyUC0tTkZqXzZMc3dYM3oxcFliSDh1UEJLS1pEODhyM0FBY3puZWpicnA5NW9EQzdmUjk5cjg5dFU5b1lMN2JtXzNxQUFpMUlqSmZEWUxncHVZTWlsbEExaGdUMUxTTml5WnVZN3RUd2tSU2I2Qm42YXFOUGhUVVI4alQ3NnRnZld4dkk0aFBReWZUX2FkSHg4Tlh1NlMwV1RrdXFYTmdoeUNRZHhqRGtZUUx3ZFhDa2h5dw?oc=5) · WNEP
- 2019-06-15 [People on the Move - The Citizens' Voice](https://news.google.com/rss/articles/CBMicEFVX3lxTFA5WmtoNXFzYWpkQ2dxeGw4eHlGWVhTbFk4R09BaEhJZzYxS1hPN2wwVHlUZjRPRXdfcGpYeWpKekFmZlpjMHdMWEpUSGRvMDZSTEtWSUp2YVBTc0xRaE9venVMMm1Bak01TXZmUVpSNlg?oc=5) · The Citizens' Voice
- 2025-05-02 [Philippine Savings Bank (PSBank) reported a net income of P1.21 billion in the first quarter as the bank benefited from robust lending activities and tighter cost controls. https://tinyurl.com/378mdz77 - facebook.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNU0JNZjhFYmlvTTBVb2Fwd1VOd3RBemRCcFlNX2R5Y2J1T2ZpRHhWbVg5dGQzUUpjZGVTcmZtMXdVYUROeWNjeU1QUTktQ0kxTi1SWTJpZVVaX1hQMkhONVQ5U1ZKRURWeExLRThEYmk3Tl8yS21xT0NfZ2puYzIxeW9zQmFFb3RiVFZDVkNsekxfV2ZsY1B1TDR2Y0lHaTk1MHhaREJKYjNUUG53SG10SzV3b0czb0hXQW9Sd25ta1JLcm1FZFhUQk84WklUOWhkMFpvY0lvQ1JoOXVC?oc=5) · facebook.com
- 2024-12-04 [Sean Ann Schoen - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMib0FVX3lxTE9YZHZSZVM5V2RGd05NUUJQZjVMcjhWYmFKQzNyc2NmUjFuRzR2Z01NenJodnJ2ckFpb3AtVFVmZ1lOLW9kN0g4cnMwMERHR1NoNTJZeHJqNktwVVBnSkV5SnBPSWt5cEZJa1JHRWt1bw?oc=5) · Scranton Times-Tribune
- 2025-07-19 [William Joseph Obituary (1958 - 2025) - Mountain Top, PA - Times Leader - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOY19GekhNUVRxeUt5cWVVVmpXVEZGUlJhSlFva0Q1TVQ0dDBGVWVYNGNKdm9QNGdkeklFdGRmRkpxeERYLUpMc0Y5VUlYT2JYWTRoR18tVXdQdXM4ZV9PS2UtYmtUc3c0WFlWTlk4cERTQTdPbm5LN0ZPQnRFUEVUN1I0ZzhqQ1pydlVJVU1Idl9MclE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=444 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "444", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide