Form 8-K

8-K — PEOPLES FINANCIAL SERVICES CORP.

Accession: 0001104659-26-098776

Filed: 2026-08-19

Period: 2026-08-19

CIK: 0001056943

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — tm2623529d1_8k.htm (Primary)

EX-99.1 — EXHIBIT 99.1 (tm2623529d1_ex99-1.htm)

GRAPHIC (tm2623529d1_ex99-1img001.jpg)

GRAPHIC (tm2623529d1_ex99-1img002.jpg)

GRAPHIC (tm2623529d1_ex99-1img003.jpg)

GRAPHIC (tm2623529d1_ex99-1img004.jpg)

GRAPHIC (tm2623529d1_ex99-1img005.jpg)

GRAPHIC (tm2623529d1_ex99-1img006.jpg)

GRAPHIC (tm2623529d1_ex99-1img007.jpg)

GRAPHIC (tm2623529d1_ex99-1img008.jpg)

GRAPHIC (tm2623529d1_ex99-1img009.jpg)

GRAPHIC (tm2623529d1_ex99-1img010.jpg)

GRAPHIC (tm2623529d1_ex99-1img011.jpg)

GRAPHIC (tm2623529d1_ex99-1img012.jpg)

GRAPHIC (tm2623529d1_ex99-1img013.jpg)

GRAPHIC (tm2623529d1_ex99-1img014.jpg)

GRAPHIC (tm2623529d1_ex99-1img015.jpg)

GRAPHIC (tm2623529d1_ex99-1img016.jpg)

GRAPHIC (tm2623529d1_ex99-1img017.jpg)

GRAPHIC (tm2623529d1_ex99-1img018.jpg)

GRAPHIC (tm2623529d1_ex99-1img019.jpg)

GRAPHIC (tm2623529d1_ex99-1img020.jpg)

GRAPHIC (tm2623529d1_ex99-1img021.jpg)

GRAPHIC (tm2623529d1_ex99-1img022.jpg)

GRAPHIC (tm2623529d1_ex99-1img023.jpg)

GRAPHIC (tm2623529d1_ex99-1img024.jpg)

GRAPHIC (tm2623529d1_ex99-1img025.jpg)

GRAPHIC (tm2623529d1_ex99-1img026.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K — FORM 8-K

8-K (Primary)

Filename: tm2623529d1_8k.htm · Sequence: 1

false

0001056943

2026-08-19

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report: August 19, 2026

(Date of earliest event reported)

PEOPLES FINANCIAL SERVICES CORP.

(Exact name of registrant as specified in its Charter)

001-36388

23-2391852

(State or other jurisdiction

(Commission file number)

(IRS Employer

of incorporation)

Identification No.)

30 E D Preate Drive, Moosic, PA 18507

(Address of Principal Executive Offices) (Zip Code)

(570) 346-7741

(Registrant’s telephone number, including

area code)

Check the appropriate box below if the Form 8-K

filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General

Instruction A.2. below):

¨ Written communications pursuant to Rule 425 under the Securities

Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange

Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under

the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under

the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $2.00 par value

PFIS

The Nasdaq Stock Market LLC

Indicate by check mark whether the

registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or

Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ¨

If an emerging growth company, indicate by check

mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting

standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 7.01 Regulation FD Disclosure.

The management of Peoples Financial Services Corp.

(the “Company”) anticipates meetings with investors during 2026. A copy of presentation materials will be made available on

the investor relations section of the Company’s website (https://ir.psbt.com/investor-resources/presentations/default.aspx) and

is furnished as exhibit 99.1 to this report. All information included in this presentation is presented as of the dates indicated, and

the Company does not assume any obligation to correct or update such information in the future. The Company disclaims any inferences regarding

the materiality of such information which otherwise may arise as a result of it furnishing such information under Item 7.01 of this Form 8-K.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

The following exhibits are filed with this form

8-K:

Exhibit No.

Description

99.1

2026 Q2 Investor Presentation (August 2026)

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant

to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the

undersigned hereunto duly authorized.

PEOPLES FINANCIAL SERVICES CORP.

By:

/s/ James M. Bone, Jr., CPA

James M. Bone, Jr., CPA

Executive Vice President and Chief Financial Officer

Principal Financial Officer

Dated: August 19, 2026

EX-99.1 — EXHIBIT 99.1

EX-99.1

Filename: tm2623529d1_ex99-1.htm · Sequence: 2

Exhibit 99.1

2026 Q2 Investor Presentation

August 2026

Disclaimer

This presentation has been prepared solely for general informational purposes by Peoples Financial Services Corp. (the “Company,” the “holding company,” “we” or “our”), a bank holding company and owner of Peoples

Security Bank and Trust Company (the “Bank”), a Pennsylvania state-chartered bank. No representation or warranty as to the accuracy, completeness, or fairness of such information is being made by the Company or any other

person, and neither the Company, any of its affiliates nor any other person shall have any liability for any information contained herein or for any omissions from this presentation or any other written or oral information or

communications transmitted or made available by the Company or its affiliates or any other person. This presentation may contain statistics and other data that in some cases have been obtained or compiled from information

made available by third-party service providers. The Company makes no representation or warranty, express or implied, with respect to the accuracy, reasonableness or completeness of such information. Certain of the

information contained herein may be derived from information provided by industry sources. The Company believes that such information is accurate and that the sources from which it has been obtained are reliable. The

Company cannot guarantee the accuracy of such information, however, and has not independently verified such information. The Company is not making any implied or express representation or warranty as to the accuracy or

completeness of such information or of the information summarized herein. The Company expressly disclaims any and all liability which may be based on such information, errors therein or omissions therefrom. In addition to

financial measures presented in accordance with U.S. generally accepted accounting principles (“GAAP”), this presentation contains certain non-GAAP financial measures, including, without limitation, tangible common equity

(“TCE”), tangible assets (“TA”), tangible book value per share (“TBVPS”), and return on average tangible common equity (“ROATCE”). These non-GAAP financial measures are not intended to be considered in isolation and

should be considered only as supplemental to, and not as a substitute for or superior to, financial measures prepared in accordance with GAAP. See pages 24 and 25 for a reconciliation of non-GAAP measures.

Forward-Looking Statements

This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which are subject to

risks and uncertainties. These statements are based on assumptions and may describe future plans, strategies and expectations of the Company and its subsidiaries that are subject to significant risks and uncertainties and are

subject to change based on various factors (some of which are beyond our control). These forward-looking statements are generally identified by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,”

“project” or similar expressions. All statements in this presentation, other than statements of historical facts, are forward-looking statements.

Our ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Important factors that could cause our actual results to differ materially from those in the forward-looking statements

include, but are not limited to: changes in interest rates, including their effect on our investment values; impairment charges relating to our investment portfolio; credit risks in connection with our lending activities; our

exposure to commercial and industrial, construction, commercial real estate, and equipment finance loans; our ability to maintain an adequate allowance for credit losses; access to liquidity; the strength of our customer

deposit levels; unrealized losses; reliance on our subsidiaries; accounting procedures, policies and requirements; changes in the value of goodwill; our ability to attract and retain key personnel; the strength of our disclosure

controls and procedures and internal controls over financial reporting; potential for errors, omissions or fraud; environmental liabilities; reliance on third-party vendors and service providers; our ability to compete effectively

in our industry and within our market area, including with respect to competition from financial technology companies and non-bank entities; the development and use of artificial intelligence ("AI“) in business processes,

services, and products, including emerging external focus among regulators and other officials related to risks in connection with the development and use of AI; our ability to prevent, detect and respond to cybersecurity

threats and incidents; a failure of information technology, whether due to a breach, cybersecurity incident, or ability to keep pace with growth and developments; our ability to comply with privacy and data protection

requirements; changes in U.S. or regional economic conditions; the soundness of other financial institutions; changes in laws and regulations; geopolitical instability, including wars and other conflicts; fiscal and monetary

policies of the federal government and its agencies; a failure to meet minimum capital requirements; our ability to realize the anticipated benefits of future acquisitions or a change in control; and our ability to pay dividends.

Additional factorsthat may affect our results are discussed in reports we file with the Securities and Exchange Commission from time to time.

These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Except as required by applicable law or regulation, we do not

undertake, and specifically disclaim any obligation, to release publicly the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of the statements or to

reflect the occurrence of anticipated or unanticipated events.

OPERATING

RESULTS

• Net income of $14.8 million, or $1.48 per diluted share for the three months ended June 30, 2026

• ROAA of 1.13%, ROATCE (1) of 13.7%, net interest margin (FTE) (1) of 3.82%, and efficiency ratio (1) of 55.2%

• The Company completed its merger with FNCB on July 1, 2024, providing increased scale, diversified earnings, and improved liquidity position

• In Q2 2026, the Company sold a branch property that was part of a sale/leaseback transaction, resulting in a $0.3 million gain on sale

• Total deposits of $4.5 billion

• Total cost of deposits of 1.68% for Q2 2026

• Non-maturity deposits of $3.7 billion, or 81.5% of total deposits

• Noninterest bearing deposits of $946.5 million, or 21.0% of total deposits

• Loans of $4.3 billion

• Loans to total assets of 79.1%

• Q2 2026 loan yields (FTE) of 5.89%

• Loan / deposit ratio of 95.4%

• Nonperforming assets to total assets of 0.27%

• Nonperforming loans to total loans of 0.33%

• Net charge-offs of $0.4 million in the past quarter; annualized percentage of 0.04%

• ACL of $42.3 million, or 0.98% of net loans

• Tangible common equity to tangible assets increased 20 bps QoQ to 8.16%(1)

• Tangible book value per share increased $1.22 QoQ to $43.51(1)

• Total available liquidity of $3.3 billion at June 30, 2026, including ample cash and securities position of $712 million (2)

DEPOSITS

LOANS

ASSET

QUALITY

CAPITAL &

LIQUIDITY

Note: Consolidated (GAAP) financial data as June 30, 2026

(1) ROATCE, net interest margin (FTE), efficiency ratio, TCE / TA, and TBVPS are non-GAAP financial measures; please see pages 24 and 25 for a reconciliation

(2) Cash + Federal Funds Sold + AFS Securities - Equity Securities held at fair value

Q2 2026 Results

Peoples Financial Services Corp. (NASDAQ: PFIS)

($ in billions, except per share data)

The First National Bank

of Hallstead is founded

Launches growth strategy expanding into the

Greater Lehigh Valley and Philadelphia MSA

Regional HQ in Lehigh Valley established

(3rd fastest growing MSA in PA)

PFIS acquires FNCB Bancorp, Inc.

PFIS acquires Penseco Financial Services Corp.

PFIS begins trading on NASDAQ

exchange (uplisted from OTC) Opened Pittsburgh, PA and Piscataway, NJ branches $5.4B bank with operations in PA, NY & NJ

1905 2013 2014 2014 2017 2021 2024 2026

Note: Consolidated (GAAP) financial data as of June 30, 2026

(1) TCE / TA, net interest margin (FTE), efficiency ratio, and tangible book value per share are non-GAAP financial measures; please see pages 24 and 25 for a reconciliation

BALANCE SHEET 2022 2023 2024 2025 2025 Q2 2026 Q1 2026 Q2

Assets $3.55 $3.74 $5.09 $5.27 $5.11 $5.42 $5.44

Net Loans $2.70 $2.83 $3.95 $4.03 $3.96 $4.15 $4.26

Deposits $3.05 $3.28 $4.41 $4.43 $4.29 $4.43 $4.51

NPAs / Assets (%) 0.10 0.11 0.45 0.23 0.34 0.23 0.27

ACL / Loans HFI (%) 1.01 0.77 1.05 0.96 1.02 0.94 0.98

TCE / TA (%) (1) 7.22 7.53 7.20 8.05 7.74 7.96 8.16

Risk-Based Capital Ratio (%) 12.13 14.16 12.34 14.31 14.29 14.16 14.06

FINANCIAL PERFORMANCE 2022 2023 2024 2025 2025 Q2 2026 Q1 2026 Q2

ROAA (%) 1.12 0.74 0.19 1.17 1.36 1.15 1.13

ROAE (%) 11.87 8.32 2.07 11.89 13.87 11.26 11.10

Cost of Deposits (%) 0.42 1.82 2.29 1.89 1.91 1.70 1.68

Net Interest Margin (FTE) (%) (1) 3.02 2.54 2.84 3.58 3.69 3.67 3.82

Efficiency Ratio (%) (1) 55.9 64.1 63.8 56.5 53.9 57.1 55.2

Diluted Earnings Per Share $5.28 $3.83 $0.99 $5.88 $1.68 $1.47 $1.48

TBV Per Share (1) $35.19 $39.35 $35.91 $41.64 $38.75 $42.29 $43.51

Branch Footprint

Branch Footprint and Deposit Market Share

#2 in Scranton MSA Deposit Market Share and

#7 Largest Pennsylvania Community Bank(1)

Note: Bank-level financial data as of June 30, 2026; branch-level deposit data as of June 30, 2025

(1) Banks with total assets less than $10.0B, total assets shown at bank-level

ScrantonꟷWilkes-Barre, PA MSA Deposit Market Share Top 10 Pennsylvania Community Banks

# Company Deposits ($B) Market Share (%)

1 The PNC Finl Svcs Grp $3.46 21.1

2 Peoples Financial Services Corp. $2.53 15.5

3 Fidelity D & D Bancorp Inc. $1.89 11.5

4 M&T Bank Corp. $1.50 9.2

5 Cmnty Finl System Inc $1.31 8.0

6 Wells Fargo & Co. $1.13 6.9

7 F.N.B. Corp. $0.72 4.4

8 NBT Bancorp Inc. $0.71 4.3

9 Citizens Financial Group Inc. $0.63 3.9

1 0 Northwest Bancshares, Inc. $0.58 3.6

Top 10 Pennsylvania Community Banks

# Company Assets ($B)

1 S&T Bancorp, Inc. $9.94

2 CNB Financial Corporation $8.41

3 Univest Financial Corporation $8.17

4 Mid Penn Bancorp, Inc. $7.04

5 Semperverde Holding Co $5.62

6 Orrstown Financial Services, Inc. $5.61

7 Peoples Financial Services Corp. $5.43

8 Citizens Financial Services, Inc. $3.19

9 Penn Community Mutual Holdings Inc $3.07

1 0 NexTier Incorporated $2.93

Scranton/Wilkes Barre, PA (MSA):

• Population of ~575k people; the Scranton—Wilkes-Barre, PA MSA includes 23

PFIS branches

• ~16% market share; accounts for ~59% of PFIS’s deposit franchise

• Main businesses include manufacturing, distribution, and back-office centers(1)

• Ideal location in Boston-Washington metro corridor(1)

Allentown/Bethlehem/Easton, PA-NJ (MSA):

• Population of ~893k people; the Allentown-Bethlehem-Easton, PA-NJ MSA

includes 3 PFIS branches

• ~2.0% market share; accounts for ~10.5% of PFIS’s deposit franchise

• Top industries include healthcare, warehousing, manufacturing, and education(2,3)

• The Lehigh Valley ranked as one of the U.S. hotspots for business attraction and

expansion in 2024, placing third in the country for regions its size(3)

Susquehanna, PA (County):

• Population of ~38k people; Susquehanna County includes 4 PFIS branches

• ~54% market share; accounts for ~18.4% of PFIS’s deposit franchise

• The largest employers are education, healthcare, government, oil & gas, and

recreation(2)

Principal Market Employers

Source: S&P Capital IQ Pro unless otherwise indicated; branch-level deposit data as of June 30, 2025

(1) ScrantonPlan.com (2) PA.gov (3) LehighValley.org

Principal Markets Overview

Gerard A. Champi

President & Chief Executive Officer

Gerard A. Champi, was appointed Chief Executive Officer of the Company and the Bank effective January 1, 2025 and President of the Company

and the Bank effective April 3, 2026, age 65. Mr. Champi had been with FNCB Bank since 1991 and served in various leadership roles in the Retail,

Commercial Sales, and Executive Divisions.

Years in Banking: 43 | Years at Bank: 35

Note: Years at Bank includes time spent at companies acquired by PFIS

James M. Bone, Jr., CPA

Executive Vice President

Chief Financial Officer

James M. Bone, Jr., CPA, EVP and CFO, of the Company and the Bank, age 64. Mr. Bone was appointed to his current position as of March 31,

2025. Prior to his appointment, Mr. Bone served as EVP and Chief Operations Officer of the Company and the Bank, a position he held since the

consummation of the FNCB merger on July 1, 2024. From September 2012 until the merger, he served as EVP and Chief Financial

Officer/Treasurer of FNCB Bancorp., Inc. and its banking subsidiary, FNCB Bank.

Years in Banking: 40 | Years at Bank: 40

John R. Anderson III

Executive Vice President

Chief Operating Officer

John R. Anderson III, EVP and COO, of the Company and the Bank, age 59. Mr. Anderson was appointed to his current position as of March 31,

2025. Prior to his appointment, Mr. Anderson served as EVP and CFO from March 2018, after serving as the SVP and Interim Principal Financial and

Accounting Officer since April 2016. Prior to that he was VP/Planning and Statistical Analyst, of Penn Security Bank and Trust Company since May

2011.

Years in Banking: 36 | Years at Bank: 36

Timothy H. Kirtley

Executive Vice President

Chief Risk Officer

Timothy H. Kirtley, Executive Vice President, Chief Risk Officer of the Company and the Bank, and Corporate Secretary, age 56. Mr. Kirtley was

appointed to his current position in April 2020, and served as Executive Vice President and Chief Credit Officer from July 2016 until April 2020.

Years in Banking: 34 | Years at Bank: 10

Neal D. Koplin

Senior Executive Vice President

Chief Banking Officer

Neal D. Koplin, Senior Executive Vice President and Chief Banking Officer of the Company and the Bank, age 65. Mr. Koplin was appointed to his

current position in December 2019. Prior to that, he was Executive Vice President and Lehigh Valley Division Head since August 2014.

Years in Banking: 44 | Years at Bank: 12

Experienced Management Team

Mary G. Cummings, Esq

Executive Vice President

General Counsel

Mary Griffin Cummings, Esquire, was appointed to Executive Vice President and General Counsel of the Company and the Bank effective July 1,

2024, age 63. From April 2018 until the FNCB merger, Ms. Cummings served as EVP and General Counsel of FNCB Bancorp, Inc. and FNCB Bank.

Years in Banking: 14 | Years at Bank: 14

Note: Years at Bank includes time spent at companies acquired by PFIS

Jeffrey A. Drobins

Executive Vice President

Chief Lending Officer

Jeffrey A. Drobins, Executive Vice President and Chief Lending Officer of the Company and the Bank, age 41. Mr. Drobins was appointed to his

current position in October 2022, after serving as the Senior Vice President and Lehigh Valley Market President since April 2016. Prior to that he

was Vice President and Commercial Relationship Manager since September 2014.

Years in Banking: 19 | Years at Bank: 12

Susan L. Hubble

Executive Vice President

Chief Information Officer

Susan L. Hubble, Executive Vice President, Chief Information Officer of the Company and the Bank, age 70. Ms. Hubble was appointed to her

current position in December 2019. Prior to that, she was Senior Vice President, Senior Information Technology Officer, since April 2019. Prior to

that, she was Vice President, Information Technology Officer since July 2014.

Years in Banking: 26 | Years at Bank: 26

Stephanie A. Westington, CPA

Executive Vice President

Chief Accounting Officer

Stephanie A. Westington, CPA, EVP and Chief Accounting Officer of the Company and the Bank, age 61. Ms. Westington was appointed to her

current position in April 2025. Ms. Westington previously served as SVP and Chief Profitability Officer of the Company and the Bank, a position

she held since the consummation of the FNCB merger on July 1, 2024. From April 2022 until the merger, she served as SVP and Chief Accounting

Officer of FNCB Bancorp, Inc. and its subsidiary, FNCB Bank. Prior to that, she was SVP and Controller since July 2012.

Years in Banking: 36 | Years at Bank: 14

Amy E. Vieney

Executive Vice President

Chief Human Resources Officer

Amy E. Vieney, Executive Vice President and Chief Human Resource Officer of the Company and the Bank, age 51. Ms. Vieney joined Peoples in

her current position in June 2022. From December 2017 through June 2022, she served as Senior Director, Human Resources at St. Luke’s

University Health Network, headquartered in Bethlehem, Pennsylvania.

Years in Banking: 4 | Years at Bank: 4

Experienced Management Team

Total Assets Total Net Loans

$3,554 $3,742

$5,092 $5,271 $5,441

–

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

2022 2023 2024 2025 2026Q2

$2,703

$2,828

$3,952 $4,029 $4,261

–

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

2022 2023 2024 2025 2026Q2

Note: Consolidated (GAAP) financial data as of June 30, 2026

Strong Balance Sheet Growth

$3,047 $3,279

$4,408 $4,434 $4,509

–

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

2022 2023 2024 2025 2026Q2

$315 $340

$469

$520 $536

–

$100

$200

$300

$400

$500

$600

2022 2023 2024 2025 2026Q2

Total Deposits Total Equity

($ in millions)

6/30/26 Loan Composition & Concentration (1)

$2,703

$2,828

$3,952 $4,029

$4,261

–

$1,250

$2,500

$3,750

$5,000

2022 2023 2024 2025 2026Q2

Note: Consolidated (GAAP) financial data as of June 30, 2026

(1) Bank-level loan financial data as reported in the call report (2) Other includes leases, state and political loans, and other (3) Total Investment CRE includes Non-Owner-Occupied CRE, Construction & Land

Development, and Multifamily loan balances

Loan Classification Gross Loan Balance % of Consolidated TRBC

1-4 Family Residential $880,822 148%

Non-Owner Occupied CRE 925,018 155%

Owner Occupied CRE 579,027 97%

Commercial & Industrial 731,681 123%

Construction & Land Development 327,436 55%

Multifamily 434,741 73%

Consumer 97,215 16%

Farm Loans 11,438 2%

Ag Prod 274 0%

Other Loans(2) 315,887 53%

Total Gross Loans $4,303,539

Total Investment CRE (3) $1,687,195 283%

Loan Portfolio Growth & Diversification

21.5%

20.5%

17.0%

13.5%

10.1%

9.6%

7.6% 0.3%

Non Owner Occ. CRE

1-4 Family

Commercial & Industrial

Owner Occ. CRE

Multifam

Other

Constr & Land Dev

Farm

Ag. Prod.

Consumer

($ in thousands)

Total Net Loans

($ in millions)

Peoples Security Bank and Trust Company Loan Composition Since 2022

2022 2023 2024 2025 2026Q2

Gross Loan Composition Balance % of Total Balance % of Total Balance % of Total Balance % of Total Balance % of Total

Construction $272,103 10.0% $256,088 9.0% $278,233 7.0% $277,382 6.8% $327,436 7.6%

1-4 Family 478,295 17.5% 509,551 17.9% 757,774 19.0% 833,279 20.5% 880,822 20.5%

Multifamily 232,477 8.5% 273,076 9.6% 407,917 10.2% 416,747 10.2% 434,741 10.1%

Comm RE (Non Farm/Res) 1,079,410 39.5% 1,112,863 39.0% 1,426,105 35.7% 1,411,333 34.7% 1,504,045 34.9%

C&I 354,657 13.0% 373,211 13.1% 698,433 17.5% 712,299 17.5% 731,681 17.0%

Farm RE 11,513 0.4% 11,769 0.4% 10,150 0.3% 10,311 0.3% 11,438 0.3%

Agricultural 5 0.0% 1 0.0% 0 0.0% 900 0.0% 274 0.0%

Consumer 83,090 3.0% 81,854 2.9% 132,105 3.3% 108,336 2.7% 97,215 2.3%

Leases 0 0.0% 0 0.0% 10,711 0.3% 11,301 0.3% 10,979 0.3%

Other 218,566 8.0% 231,734 8.1% 272,077 6.8% 285,813 7.0% 304,908 7.1%

Total Gross Loans $2,730,116 100.0% $2,850,147 100.0% $3,993,505 100.0% $4,067,701 100.0% $4,303,539 100.0%

Yield on 1-4 Family Loans 3.03% 3.11% 4.18% 3.95% 3.98%

Yield on All Other RE Loans 4.30% 5.28% 5.99% 6.18% 6.30%

Yield on C&I Loans 5.02% 6.07% 8.33% 8.23% 7.59%

Yield on Loans and Leases 3.99% 4.76% 5.56% 5.97% 5.80%

Yield on Earning Assets 3.42% 4.26% 5.99% 5.53% 5.52%

Note: Bank-level financial data as of June 30, 2026; 2024 adjusted for acquisition of FNCB Bancorp, Inc.

Historical Bank Loan Composition & Yields

($ in thousands)

CRE Portfolio Detailed Breakdown by Asset Type

Non-Owner Occupied CRE Portfolio Composition at June 30, 2026

($ in thousands) Non-Owner Occupied

Loan Category Number of Loans Average Loan Size Loan Balance Weighted Average Interest Rate

Land – Unimproved 98 $ 255 $ 24,946 6.41%

Land Acquisition & Development - Commercial 35 $ 528 $ 18,464 6.61%

Land Acquisition & Development - Residential 68 $ 221 $ 15,017 6.21%

Retail – Anchored 48 $ 2,683 $ 128,807 4.88%

Retail – Unanchored 151 $ 1,267 $ 191,353 5.16%

Office 139 $ 1,496 $ 207,919 5.13%

Multifamily (5+ Units) 343 $ 1,716 $ 588,585 5.23%

Industrial / Warehouse 84 $ 1,983 $ 166,581 5.33%

Self-storage / Mini-warehouse 17 $ 1,979 $ 33,643 5.33%

1-4 Family Residential – Rental Property 16 $ 559 $ 8,938 6.26%

Healthcare 24 $ 2,714 $ 65,147 5.68%

Hospitality (Hotel / Motel) 26 $ 1,897 $ 49,326 5.39%

Gas Station / Convenience Store 22 $ 847 $ 18,638 5.65%

Restaurant / Bar 33 $ 683 $ 22,527 5.86%

Mobile Home Park 16 $ 894 $ 14,297 6.17%

Recreational 5 $ 457 $ 2,286 7.46%

Dealership 1 $ 78 $ 78 7.75%

School / Campus Real Estate 12 $ 1,215 $ 14,584 5.80%

Other 64 $ 667 $ 42,662 5.87%

1-4 Family Residential (Primary / Secondary Residence) 19 $ 268 $ 5,100 6.39%

1-4 Family Residential (For Sale Construction) 13 $ 815 $ 10,601 6.52%

Farmland 1 $ 125 $ 125 6.85%

Medical Office Building 22 $ 2,671 $ 58,766 4.62%

Student Housing 3 $ 529 $ 1,588 3.83%

Unassigned 10 $ 54 $ 542 7.49%

Grand Total 1,270 $ 1,331 $ 1,690,523 5.30%

Note: Bank-level financial data as of June 30, 2026

($ in thousands) Owner Occupied

Loan Category Number of Loans Average Loan Size Loan Balance Weighted Average Interest Rate

Land Acquisition & Development - Commercial 3 $ 936 $ 2,808 7.03%

Retail – Anchored 4 $ 1,514 $ 6,056 5.17%

Retail – Unanchored 92 $ 450 $ 41,371 5.63%

Office 206 $ 402 $ 82,791 5.83%

Industrial / Warehouse 235 $ 747 $ 175,545 5.38%

Self-storage / Mini-warehouse 1 $ 26 $ 26 5.00%

1-4 Family Residential – Rental Property 2 $ 196 $ 392 6.67%

Healthcare 10 $ 720 $ 7,195 7.16%

Gas Station / Convenience Store 38 $ 876 $ 33,284 4.61%

Restaurant / Bar 68 $ 320 $ 21,769 6.35%

Recreational 56 $ 986 $ 55,205 7.24%

Dealership 19 $ 606 $ 11,518 4.82%

Parking Lot 4 $ 665 $ 2,661 5.35%

School / Campus Real Estate 18 $ 1,893 $ 34,081 3.99%

Other 135 $ 569 $ 76,847 5.67%

1-4 Family Residential (Primary / Secondary Residence) 4 $ 23 $ 92 7.88%

Medical Office Building 25 $ 747 $ 18,673 5.44%

Unassigned 40 $ 119 $ 4,771 6.32%

Grand Total 960 $ 599 $ 575,087 5.62%

Note: Bank-level financial data as of June 30, 2026

CRE Portfolio Detailed Breakdown by Asset Type

Owner Occupied CRE Portfolio Composition at June 30, 2026

Commercial Real Estate Portfolio Details

CRE loansscheduled to mature in 2031 and after are $1.3 billion

or 59% of the Total CRE Loans

($ in millions)

CRE Maturity Schedule CRE Repricing Schedule

Note: Bank-level financial data as of June 30, 2026

$151

$179

$265

$153

6.64% $188

7.89%

11.68%

6.77%

8.31%

0.00%

2.50%

5.00%

7.50%

10.00%

12.50%

$50

$100

$150

$200

$250

$300

2026 2027 2028 2029 2030

Balance ($mm) % of CRE Loans

($ in millions)

$875

$303

$260

$184 $195

38.62%

13.37%

11.50%

8.14% 8.62%

0.00%

9.00%

18.00%

27.00%

36.00%

45.00%

–

$200

$400

$600

$800

$1,000

2026 2027 2028 2029 2030

Balance % of CRE Loans

44.0%

40.7%

3.3%

3.7%

3.5%

3.4% 1.2% 0.4%

RMBS State & Political Subdiv Secs

Other Securities CMBS

Treasury Secs Structured Financial Products

ABS Govt & Agency Secs

Asset Class Breakdown (1) Commentary

• As of June 30, 2026, the Bank has ~$526.2 million of debt

securities (2)

• This represents 9.7% of total assets

• The securities portfolio primarily consists of RMBS and state &

political subdivision securities

• Other securities portfolio information:

• Weighted Average Life: 7.21 years (3)

• Yield on Debt & Equity Securities: 4.01% (4)

• Market Value / Book Value: 92.8%

Note: Bank-level financial data as of June 30, 2026

(1) Each category percentage is the fair value of the securities divided by the fair value of all securities (2) ~$457.4mm of fair value available-for-sale securities and ~$68.7mm of carrying value held-to-maturity

securities (3) Bloomberg as of June 30, 2026 (4) Consolidated financial data as of June 30, 2026

Investment Portfolio Composition & Performance

20%

54%

17%

C&I - Other

C&I - Equipment Financing

CRE (incl. Multifamily)

1-4 Family Residential

Consumer

Note: Consolidated (GAAP) financial data as of June 30, 2026

Summary Metrics

Nonperforming Loans by Type

• Nonperforming loans to total loans:

• 0.33% at June 30, 2026 as compared to 0.28% at March 31, 2026

• Allowance for credit losses on loans to nonperforming loans:

• 299.7% at June 30, 2026 as compared to 341.3% at March 31, 2026

• Allowance for credit losses on loans:

• $42.3 million, or 0.98% of total loans, as of June 30, 2026, as compared to $39.6

million, or 0.94% of total loans, as of March 31, 2026

($ in thousands)

Q2 2026 Q1 2026

Total nonperforming loans $14,118 $11,597

Nonperforming loans to total loans 0.33% 0.28%

Total nonperforming assets $14,748 $12,070

Nonperforming assets to total assets 0.27% 0.22%

Net charge-offs (net of recoveries) $380 $808

Net charge-offs to avg. loans (annualized) 0.04% 0.08%

YTD net charge-offs (net of recoveries) $1,188 $808

YTD net charge-offs to avg. loans (annualized) 0.06% 0.08%

($ in thousands)

Nonaccrual

Loans with No

Allowance

Nonaccrual

Loans with

Allowance

Total

Nonaccrual

Loans

C&I - Other $99 $2,600 $2,699

C&I - Equipment Financing $15 $841 $856

CRE (incl. Multifamily) $392 $7,023 $7,415

1-4 Family Residential $436 $1,890 $2,326

Consumer $371 – $371

TOTAL $1,313 $12,354 $13,667

Asset Quality Summary

Note: Consolidated (GAAP) financial data as of June 30, 2026; Fed Funds Target Rate represents the day-weighted upper bound of the Fed Funds target

51% 44% 49% 51% 48%

17%

13% 11% 11% 11%

22%

24% 21% 22% 23%

10% 19% 18% 16% 19%

20%

40%

60%

80%

100%

2022 2023 2024 2025 2026Q2

Time Deposits

Money Market

Savings

Demand Deposits

Cost of Total Deposits vs. Fed Funds Target Rate

Deposit Composition and Total Cost of Deposits

Latest Interest Rate Cycle

Regulatory Capital Ratios

Note: Consolidated (GAAP) financial data as of June 30, 2026 9.0%

8.5%

8.0%

8.8% 9.1%

10.2%

11.1% 11.0% 10.9%

12.1%

10.4%

11.3% 11.1%

12.1%

14.2%

12.3%

14.3% 14.1%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

18.0%

2022 2023 2024 2025 2026Q2

Leverage Ratio CET1 Ratio Tier 1 Ratio Total RBC Ratio

Highlights Non-Interest Income/Operating Revenue (%) (2)

Net-Operating Expense (%) (4)

Note: Consolidated (GAAP) financial data as of June 30, 2026; operating revenue defined as net interest income plus noninterest income

(1) Includes both Peoples Security Wealth Advisors and Peoples Security Trust & Wealth Solutions’ AUM (2) Non-interest income excludes Realized Gain on Securities and Nonrecurring Revenue (3) 2026Q2 YTD

annualized for the six months ended June 30, 2026 (4) Net-Operating Expense defined as noninterest expense excluding foreclosure and amortization expense less noninterest income

$1.1 billion

in AUM under

Trust and Wealth Advisors(1)

55.2%

Efficiency ratio for Q2 ‘26

$113 million

Deposits per branch

12.64

13.95 13.46 12.52 12.09

2022 2023 2024 2025 2026Q2 YTD

1.43 1.42 1.52

1.67 1.74

2022 2023 2024 2025 2026Q2 YTD

Non-Interest Income & Expense

(3)

Net Interest Income (NII) and Net Interest Margin (NIM) FTE (1) Key Components of NII and NIM

$95,749

$86,754

$115,989

$165,962

$181,956

3.02%

2.54%

2.84%

3.58%

3.75%

0.00%

1.25%

2.50%

3.75%

5.00%

6.25%

7.50%

$35,000

$70,000

$105,000

$140,000

$175,000

$210,000

2022 2023 2024 2025 2026Q2 YTD

NII

NIM (FTE)¹

4.04%

4.81%

5.62%

5.99% 5.85%

1.67%

1.77%

2.43%

3.15%

3.90%

0.51%

1.91%

2.40%

2.08%

1.92%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

2022 2023 2024 2025 2026Q2 YTD

Loan Yield

Securities Yield

Cost of Funds

Note: Consolidated (GAAP) financial data as of June 30, 2026; Cost of funds includes non-interest bearing deposits

(1) Net interest margin is a non-GAAP financial measure; please see page 25 for a reconciliation (2) 2026Q2 YTD annualized for the six months ended June 30, 2026

Net Interest Income & Net Interest Margin

(2) (2)

Note: Consolidated (GAAP) financial data as of June 30, 2026; operating revenue defined as net interest income plus noninterest income

(1) Tangible equity, TCE / TA, net interest margin (FTE), and efficiency ratio are non-GAAP financial measures; please see pages 24 and 25 for a reconciliation (2) Cash + Federal Funds Sold + AFS Securities - Equity Securities

held at fair value (3) Non-interest income excludes Realized Gain on Securities and Nonrecurring Revenue (4) Consolidated average rate paid across total interest-bearing liabilities and noninterest-bearing deposits

12/31/2022

For the Years Ended: For the Quarters Ended: 6/30/2026

12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 CAGR

Balance Sheet

Total Assets ($000) 3,553,515 3,742,289 5,091,657 5,270,578 5,159,636 5,270,578 5,423,330 5,440,546 12.9%

Total Securities ($000) 568,992 483,876 606,943 587,208 610,280 587,208 542,872 529,615 (2.0%)

Total Net Loans ($000) 2,702,644 2,828,252 3,951,729 4,028,694 3,977,340 4,028,694 4,151,797 4,261,228 13.9%

Total Deposits ($000) 3,046,598 3,279,037 4,407,552 4,434,069 4,289,731 4,434,069 4,425,369 4,508,852 11.9%

Tangible Equity ($000) (1) 251,875 277,052 358,768 416,161 404,035 416,161 423,358 435,577 16.9%

Loans / Deposits (%) 89.6 86.9 90.6 91.7 93.6 91.7 94.7 95.4

(Cash and Securities)/ Assets (%) (2) 14.5 15.4 12.8 14.6 13.7 13.6 14.5 13.1

TCE / TA (%) (1) 7.2 7.5 7.2 8.1 8.0 8.1 8.0 8.2

Total Capital Ratio (%) 12.1 14.2 12.3 14.3 14.4 14.3 14.2

Profitability

Net Income ($000) 38,090 27,380 8,498 59,187 15,246 11,976 14,747 14,805

ROAA (%) 1.12 0.74 0.19 1.17 1.19 0.92 1.15 1.13

ROAE (%) 11.9 8.3 2.1 11.9 12.0 9.2 11.3 11.1

Net Interest Margin (FTE) (%) (1) 3.02 2.54 2.84 3.58 3.54 3.60 3.67 3.82

Efficiency Ratio (%) (1) 55.9 64.1 63.8 56.5 56.5 59.5 57.1 55.2

Non-interest Inc. / Operating Rev (%) (3) 12.6 13.9 13.5 12.5 11.8 8.0 12.2 12.1

Noninterest Exp./ AA (%) 1.84 1.80 1.79 2.01 2.26 2.40 2.30 2.32

Asset Quality (%)

NPLs / Loans (%) 0.12 0.14 0.17 0.28 0.42 0.28 0.28 0.33

NPAs / Assets (%) 0.10 0.11 0.45 0.23 0.33 0.23 0.23 0.27

ACL / Loans (%) 1.01 0.77 1.05 0.96 0.99 0.96 0.94 0.98

NCOs / Avg Loans (%) 0.02 0.10 0.03 0.07 0.02 0.18 0.08 0.04

Yields and Costs (%)

Yield on Total Loans and Leases (%) 4.04 4.81 5.62 5.99 5.98 5.99 5.80 5.89

Yield on Debt and Equity Securities (%) 1.67 1.77 2.43 3.15 3.08 3.27 3.80 4.01

Cost of Int-bearing Deposits (%) 0.57 2.32 2.82 2.39 2.39 2.30 2.16 2.14

Cost of Funds (%) (4) 0.51 1.91 2.40 2.08 2.13 2.06 1.90 1.91

Financial Highlights

Note: Consolidated (GAAP) financial data as of June 30, 2026

Year-Ended December 31, Quarter-Ended

($ in thousands) 2022 2023 2024 2025 At June 30, 2026

Assets

Cash and Cash Equivalents $37,868 $187,365 $135,851 $268,984 $256,250

Available for Sale Securities 477,703 398,927 526,329 512,563 458,144

Held to Maturity Securities 91,179 84,851 78,184 72,047 68,723

Other Securities 9,740 5,278 12,650 2,598 2,748

Total Cash & Securities 616,490 676,421 753,014 856,192 785,865

Loans, net 2,702,644 2,828,002 3,951,729 4,027,889 4,260,510

Allowance for credit losses 27,472 21,895 41,776 39,007 42,311

Loans Held for Sale – 250 – 805 718

Total Net Loans 2,702,644 2,828,252 3,951,729 4,028,694 4,261,228

Real Estate Owned and Held for Investment 5,567 5,015 18,624 17,136 25,827

Goodwill 63,370 63,370 75,986 75,986 75,986

Intangible Assets 105 – 34,197 27,700 24,622

Total Intangible Assets 63,475 63,370 110,183 103,686 100,608

Total Servicing Rights 914 870 1,304 1,682 1,341

Total Other Assets 164,425 168,361 256,803 263,188 265,677

Total Assets $3,553,515 $3,742,289 $5,091,657 $5,270,578 $5,440,546

Liabilities

Total Deposits $3,046,598 $3,279,037 $4,407,552 $4,434,069 $4,508,852

Short-Term Borrowings 114,930 17,590 15,900 32,721 85,331

Long-Term Borrowings 555 25,000 98,637 134,352 154,472

Junior Subordinated Debt – – 8,039 8,140 8,194

Subordinated Debt 33,000 33,000 33,000 83,187 83,392

Total Other Liabilities 43,082 47,240 59,579 58,262 64,120

Total Liabilities $3,238,165 $3,401,867 $4,622,707 $4,750,731 $4,904,361

Equity

Common Equity $315,350 $340,422 $468,950 $519,847 $536,185

Total Equity $315,350 $340,422 $468,950 $519,847 $536,185

Tot Acc Other Comprehensive Inc (56,336) (44,351) (40,695) (24,691) (25,648)

Total Liabilities and Equity $3,553,515 $3,742,289 $5,091,657 $5,270,578 $5,440,546

Historical Consolidated Balance Sheet

Note: Consolidated (GAAP) financial data as of June 30, 2026

(1) For the three months ended June 30, 2026 // (2) Includes Realized Gain on Securities and Nonrecurring Revenue

Quarter-Ended (1)

($ in thousands) 2022 2023 2024 2025 2026Q2

Interest Income $111,334 $149,851 $211,460 $259,697 $67,752

Interest Expense 15,585 63,097 95,471 93,735 22,148

Net Interest Income $95,749 $86,754 $115,989 $165,962 $45,604

Provision for Credit Losses (449) 566 19,131 98 3,105

Total Noninterest Income (2) 11,845 14,133 18,336 21,727 6,534

Noninterest Expense 62,677 66,004 90,526 115,121 30,610

Acquisition related expenses – 1,816 16,200 236 –

Net Income before Taxes $45,366 $32,501 $8,468 $72,234 $18,423

Provision for Taxes 7,276 5,121 (30) 13,047 3,618

Net Income $38,090 $27,380 $8,498 $59,187 $14,805

Memo: Realized Gain on Securities (2,007) 70 133 168 33

Memo: Nonrecurring Revenue – – – (2,197) 271

Historical Consolidated Income Statement

Note: Consolidated (GAAP) financial data as of June 30, 2026

($ in thousands)

Reconciliation | TCE / TA, TBVPS, & ROATCE 2022Y 2023Y 2024Y 2025Y 2025Q3 2025Q4 2026Q1 2026Q2

Total Equity $315,350 $340,422 $468,950 $519,847 $509,260 $519,847 $525,505 $536,185

Less: Goodwill 63,370 63,370 75,986 75,986 75,986 75,986 75,986 75,986

Less: Other Intangible Assets, Net of MSRs 105 – 34,196 27,700 29,239 27,700 26,161 24,622

Tangible Equity $251,875 $277,052 $358,768 $416,161 $404,035 $416,161 $423,358 $435,577

Less: Preferred Equity – – – – – – – –

Tangible Common Equity [A] $251,875 $277,052 $358,768 $416,161 $404,035 $416,161 $423,358 $435,577

Total Assets $3,553,515 $3,742,289 $5,091,657 $5,270,578 $5,159,636 $5,270,578 $5,423,330 $5,440,546

Less: Goodwill 63,370 63,370 75,986 75,986 75,986 75,986 75,986 75,986

Less: Other Intangible Assets, Net of MSRs 105 – 34,196 27,700 29,239 27,700 26,161 24,622

Tangible Assets [B] $3,490,040 $3,678,919 $4,981,475 $5,166,892 $5,054,411 $5,166,892 $5,321,183 $5,339,938

TCE / TA [C] = [A] / [B] 7.22% 7.53% 7.20% 8.05% 7.99% 8.05% 7.96% 8.16%

Common Shares Outstanding (Actual) [D] 7,158,017 7,040,852 9,990,724 9,994,595 9,994,595 9,994,595 10,010,488 10,010,367

TBVPS (Actual) [E] = [A] * 1000 / [D] $35.19 $39.35 $35.91 $41.64 $40.43 $41.64 $42.29 $43.51

Net Income [F] $14,805

Days in Quarter [G] 9 2 9 2 9 0 9 1

Days in Year [H] 365 365 365 365

Average Tangible Common Equity [I] $433,540

ROATCE [J] = ([F] / [G] * [H]) / [I] 13.7%

Non-GAAP Financial Measures

Note: Consolidated (GAAP) financial data as of June 30, 2026

($ in thousands)

Reconciliation | NIM & Efficiency Ratio 2022Y 2023Y 2024Y 2025Y 2025Q3 2025Q4 2026Q1 2026Q2 2026Q2 YTD

Interest income (GAAP) $111,334 $149,851 $211,460 $259,697 $65,164 $66,772 $64,704 $67,752 $132,456

Plus: Adjustment to FTE 1,901 1,917 2,367 2,763 714 629 851 908 $1,759

Interest income adjusted to FTE (non-GAAP) $113,235 $151,768 $213,827 $262,460 $65,878 $67,401 $65,555 $68,660 $134,215

Less: Interest expense 15,585 63,097 95,471 93,735 23,981 23,738 21,837 22,148 43,985

Net interest income adjusted to FTE (non-GAAP) $97,650 $88,671 $118,356 $168,725 $41,897 $43,663 $43,718 $46,512 $90,230

Noninterest expense (GAAP) $62,677 $67,820 $106,726 $115,357 $28,678 $31,064 $29,863 $30,610 $60,473

Less: Amortization of intangible 363 105 3,367 6,397 1,515 1,515 1,517 1,518 3,035

Less: Acquisition related expenses – 1,816 16,200 236 16 – – – –

Noninterest expense (non-GAAP) $62,314 $65,899 $87,159 $108,724 $27,147 $29,549 $28,346 $29,092 $57,438

Noninterest income (GAAP) $11,845 $14,133 $18,336 $21,727 $5,501 $3,723 $6,898 $6,534 $13,432

Less: Net gains (losses) on equity securities (31) (11) 132 168 (21) 125 456 271 727

Less: Gains on sale of fixed assets (1,976) 81 1 (74) (615) (139) – – –

Less: Gains on sale of available for sale securities – – – (2,241) – (2,241) 510 33 543

NII (FTE) plus noninterest income (non-GAAP) $111,502 $102,734 $136,559 $192,599 $48,034 $49,641 $49,650 $52,742 $102,392

Average earning assets (GAAP) $3,232,891 $3,495,974 $4,162,208 $4,708,036 $4,700,669 $4,805,466 $4,826,982 $4,887,141 $4,857,226

Net interest margin adjusted to FTE (non-GAAP) 3.02% 2.54% 2.84% 3.58% 3.54% 3.60% 3.67% 3.82% 3.75%

Efficiency ratio (non-GAAP) 55.9% 64.1% 63.8% 56.5% 56.5% 59.5% 57.1% 55.2% 56.1%

Non-GAAP Financial Measures

Provide BETTER BANKING to strengthen the

communities where we live, work and play.

GRAPHIC

Filename: tm2623529d1_ex99-1img001.jpg · Sequence: 6

Binary file (96147 bytes)

Download tm2623529d1_ex99-1img001.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img002.jpg · Sequence: 7

Binary file (331649 bytes)

Download tm2623529d1_ex99-1img002.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img003.jpg · Sequence: 8

Binary file (150560 bytes)

Download tm2623529d1_ex99-1img003.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img004.jpg · Sequence: 9

Binary file (182840 bytes)

Download tm2623529d1_ex99-1img004.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img005.jpg · Sequence: 10

Binary file (203368 bytes)

Download tm2623529d1_ex99-1img005.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img006.jpg · Sequence: 11

Binary file (176967 bytes)

Download tm2623529d1_ex99-1img006.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img007.jpg · Sequence: 12

Binary file (204311 bytes)

Download tm2623529d1_ex99-1img007.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img008.jpg · Sequence: 13

Binary file (210632 bytes)

Download tm2623529d1_ex99-1img008.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img009.jpg · Sequence: 14

Binary file (142667 bytes)

Download tm2623529d1_ex99-1img009.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img010.jpg · Sequence: 15

Binary file (163053 bytes)

Download tm2623529d1_ex99-1img010.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img011.jpg · Sequence: 16

Binary file (178335 bytes)

Download tm2623529d1_ex99-1img011.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img012.jpg · Sequence: 17

Binary file (162020 bytes)

Download tm2623529d1_ex99-1img012.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img013.jpg · Sequence: 18

Binary file (137149 bytes)

Download tm2623529d1_ex99-1img013.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img014.jpg · Sequence: 19

Binary file (115477 bytes)

Download tm2623529d1_ex99-1img014.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img015.jpg · Sequence: 20

Binary file (158025 bytes)

Download tm2623529d1_ex99-1img015.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img016.jpg · Sequence: 21

Binary file (175019 bytes)

Download tm2623529d1_ex99-1img016.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img017.jpg · Sequence: 22

Binary file (145448 bytes)

Download tm2623529d1_ex99-1img017.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img018.jpg · Sequence: 23

Binary file (96670 bytes)

Download tm2623529d1_ex99-1img018.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img019.jpg · Sequence: 24

Binary file (120907 bytes)

Download tm2623529d1_ex99-1img019.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img020.jpg · Sequence: 25

Binary file (145273 bytes)

Download tm2623529d1_ex99-1img020.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img021.jpg · Sequence: 26

Binary file (177079 bytes)

Download tm2623529d1_ex99-1img021.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img022.jpg · Sequence: 27

Binary file (154589 bytes)

Download tm2623529d1_ex99-1img022.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img023.jpg · Sequence: 28

Binary file (143052 bytes)

Download tm2623529d1_ex99-1img023.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img024.jpg · Sequence: 29

Binary file (140319 bytes)

Download tm2623529d1_ex99-1img024.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img025.jpg · Sequence: 30

Binary file (162551 bytes)

Download tm2623529d1_ex99-1img025.jpg

GRAPHIC

Filename: tm2623529d1_ex99-1img026.jpg · Sequence: 31

Binary file (136590 bytes)

Download tm2623529d1_ex99-1img026.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 33

v3.26.1

Cover

Aug. 19, 2026

Cover [Abstract]

Document Type

8-K

Amendment Flag

false

Document Period End Date

Aug. 19, 2026

Entity File Number

001-36388

Entity Registrant Name

PEOPLES FINANCIAL SERVICES CORP.

Entity Central Index Key

0001056943

Entity Tax Identification Number

23-2391852

Entity Incorporation, State or Country Code

Entity Address, Address Line One

30 E D Preate Drive

Entity Address, City or Town

Moosic

Entity Address, State or Province

Entity Address, Postal Zip Code

18507

City Area Code

570

Local Phone Number

346-7741

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, $2.00 par value

Trading Symbol

PFIS

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration