Peoples Financial Services published its annual report on Form 10-K for FY 2025. Net income for FY 2025 was USD 59.2 million, and diluted EPS was USD 5.88. Fully tax-equivalent net interest income for FY 2025 rose 43% to USD 168.73 million, while the efficiency ratio improved to 56.5% from 63.8%. The provision for credit losses for FY 2025 was USD 98,000, down 99% from FY 2024, reflecting improved qualitative factors tied to lower commercial real estate concentration levels and a more seasoned equipment financing portfolio. At Dec. 31, 2025, total assets were USD 5.3 billion, loans were USD 4.1 billion, and deposits were USD 4.4 billion.
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