Updated
The most significant concentration Peoples Financial Services discloses is commercial real estate loans at 56.9%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Peoples Financial Services’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'The commercial real estate market poses risks of loss to us because of the concentration of commercial real estate loans in our loan portfolio, and the lack of diversity in risk associated with such a concentration.'”
“10-K Item 1A: 'A majority of these loans are made to borrowers or secured by properties located in Eastern Pennsylvania, where our business activities are primarily concentrated.'”
“10-K Item 1A: 'As of December 31, 2025, approximately 23.1 percent of our deposits were uninsured and uncollateralized.'”
Peoples Financial Services' concentration risks are almost entirely structural, tied to the bank's core lending and deposit mix rather than any single counterparty. Commercial real estate loans account for a high share of the portfolio, with the company itself flagging the concentration and lack of diversity in risk it creates. That exposure is compounded by geography: a majority of these loans are made to borrowers in, or secured by properties in, Eastern Pennsylvania, where the bank's business activities are primarily concentrated — meaning a regional economic downturn would hit both the CRE book and the broader loan portfolio at once, since they overlap in the same footprint. The funding side carries a smaller, though still notable, exposure: approximately 23.1 percent of deposits were uninsured and uncollateralized as of December 31, 2025, a lower-share item relative to the loan concentrations but still a factor in a stress scenario, since uninsured deposits are more prone to flight. None of these three exposures is a one-off dependency on a single customer or vendor; together they describe a classic community-bank profile where CRE concentration and geographic concentration reinforce each other.
For the engine’s reasoning on PFIS’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| PFIS● | Peoples Financial Services Corp | 1 | 1 | 1 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.