Form 8-K

8-K — PEOPLES FINANCIAL SERVICES CORP.

Accession: 0001104659-26-062531

Filed: 2026-05-15

Period: 2026-05-15

CIK: 0001056943

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — tm2614573d1_8k.htm (Primary)

EX-99.1 — EXHIBIT 99.1 (tm2614573d1_ex99-1.htm)

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0001056943

2026-05-15

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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: May 15, 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 Q1 Investor Presentation (May 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: May 15, 2026

EX-99.1 — EXHIBIT 99.1

EX-99.1

Filename: tm2614573d1_ex99-1.htm · Sequence: 2

Exhibit 99.1

2026 Q1 Investor Presentation

May 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 $14.7 million, or $1.47 per diluted share for the three months ended March 31, 2026

• ROAA of 1.15%, ROATCE (1) of 14.0%, net interest margin (FTE) (1) of 3.67%, and efficiency ratio (1) of 57.1%

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

• In Q1 2026, the company completed a partial securities portfolio repositioning, selling $31.9 million in agency mortgage-backed securities at a pre-tax gain of ~$0.5

million, with proceeds redeployed equally into the available-for-sale portfolio and loan funding

• Total deposits of $4.4 billion

• Total cost of deposits of 1.70% for Q1 2026

• Non-maturity deposits of $3.8 billion, or 85.6% of total deposits

• Noninterest bearing deposits of $969.3 million, or 21.9% of total deposits

• Loans of $4.2 billion

• Loans to total assets of 77.3%

• Q1 2026 loan yields (FTE) of 5.80%

• Loan / deposit ratio of 94.7%

• Nonperforming assets to total assets of 0.23%

• Nonperforming loans to total loans of 0.28%

• Net charge-offs of $0.8 million in the past year; annualized percentage of 0.08%

• ACL of $39.6 million, or 0.94% of net loans

• Tangible common equity to tangible assets decreased 9 bps QoQ to 7.96%(1)

• Tangible book value per share increased $0.65 QoQ to $42.29(1)

• Total available liquidity of $3.2 billion at March 31, 2026, including ample cash and securities position of $798 million (2)

DEPOSITS

LOANS

ASSET

QUALITY

CAPITAL &

LIQUIDITY

Note: Consolidated (GAAP) financial data as March 31, 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

Q1 2026 Results

Peoples Financial Services Corp. (NASDAQ: PFIS)

($ in billions, expect 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 March 31, 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 Q1 2025 Q4 2026 Q1

Assets $3.55 $3.74 $5.09 $5.27 $5.00 $5.27 $5.42

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

Deposits $3.05 $3.28 $4.41 $4.43 $4.32 $4.43 $4.43

NPAs / Assets (%) 0.10 0.11 0.45 0.23 0.47 0.23 0.23

ACL / Loans HFI (%) 1.01 0.77 1.05 0.96 1.03 0.96 0.94

TCE / TA (%) (1) 7.22 7.53 7.20 8.05 7.63 8.05 7.96

Risk-Based Capital Ratio (%) 12.13 14.16 12.34 14.31 12.45 14.31 14.16

FINANCIAL PERFORMANCE 2022 2023 2024 2025 2025 Q1 2025 Q4 2026 Q1

ROAA (%) 1.12 0.74 0.19 1.17 1.22 0.92 1.15

ROAE (%) 11.87 8.32 2.07 11.89 12.70 9.16 11.26

Cost of Deposits (%) 0.42 1.82 2.29 1.89 1.93 1.82 1.70

Net Interest Margin (FTE) (%) (1) 3.02 2.54 2.84 3.58 3.50 3.60 3.67

Efficiency Ratio (%) (1) 55.9 64.1 63.8 56.5 55.8 59.5 57.1

Diluted Earnings Per Share $5.28 $3.83 $0.99 $5.88 $1.49 $1.19 $1.47

TBV Per Share (1) $35.19 $39.35 $35.88 $41.64 $37.35 $41.64 $42.29

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 March 31, 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 $8.50

3 Univest Financial Corporation $8.11

4 Mid Penn Bancorp, Inc. $6.94

5 Semperverde Holding Co $5.64

6 Orrstown Financial Services, Inc. $5.58

7 Peoples Financial Services Corp. $5.42

8 Citizens Financial Services, Inc. $3.02

9 Penn Community Mutual Holdings Inc $3.02

1 0 NexTier Incorporated $2.85

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

Chief Executive Officer

Gerard A. Champi, was appointed Chief Executive Officer of the Company and the Bank effective January 1, 2025, 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 $5,423

–

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

2022 2023 2024 2025 2026Q1

$2,703

$2,828

$3,952 $4,029 $4,152

–

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

2022 2023 2024 2025 2026Q1

Note: Consolidated (GAAP) financial data as of March 31, 2026

Strong Balance Sheet Growth

$3,047 $3,279

$4,408 $4,434 $4,425

–

$1,000

$2,000

$3,000

$4,000

$5,000

$6,000

2022 2023 2024 2025 2026Q1

$315 $340

$469

$520 $526

–

$100

$200

$300

$400

$500

$600

2022 2023 2024 2025 2026Q1

Total Deposits Total Equity

($ in millions)

3/31/25 Loan Composition & Concentration (1)

$2,703

$2,828

$3,952 $4,029 $4,152

–

$1,250

$2,500

$3,750

$5,000

2022 2023 2024 2025 2026Q1

Note: Consolidated (GAAP) financial data as of March 31, 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 $859,051 147%

Non-Owner Occupied CRE 895,451 154%

Owner Occupied CRE 580,472 100%

Commercial & Industrial 706,369 121%

Construction & Land Development 296,319 51%

Multifamily 431,502 74%

Consumer 99,281 17%

Farm Loans 10,718 2%

Ag Prod 1,271 0%

Other Loans(2) 310,950 53%

Total Gross Loans $4,191,384

Total Investment CRE (3) $1,623,272 279%

Loan Portfolio Growth & Diversification

21.4%

20.5%

16.9%

13.9%

10.3%

9.8%

7.1% 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 2026Q1

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% $296,319 7.1%

1-4 Family 478,295 17.5% 509,551 17.9% 757,774 19.0% 833,279 20.5% 859,051 20.5%

Multifamily 232,477 8.5% 273,076 9.6% 407,917 10.2% 416,747 10.2% 431,502 10.3%

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% 1,475,923 35.2%

C&I 354,657 13.0% 373,211 13.1% 698,433 17.5% 712,299 17.5% 706,369 16.9%

Farm RE 11,513 0.4% 11,769 0.4% 10,150 0.3% 10,311 0.3% 10,718 0.3%

Agricultural 5 0.0% 1 0.0% 0 0.0% 900 0.0% 1,271 0.0%

Consumer 83,090 3.0% 81,854 2.9% 132,105 3.3% 108,336 2.7% 99,281 2.4%

Leases 0 0.0% 0 0.0% 10,711 0.3% 11,301 0.3% 11,172 0.3%

Other 218,566 8.0% 231,734 8.1% 272,077 6.8% 285,813 7.0% 299,778 7.2%

Total Gross Loans $2,730,116 100.0% $2,850,147 100.0% $3,993,505 100.0% $4,067,701 100.0% $4,191,384 100.0%

Yield on 1-4 Family Loans 3.03% 3.11% 4.18% 3.95% 3.91%

Yield on All Other RE Loans 4.30% 5.28% 5.99% 6.18% 6.14%

Yield on C&I Loans 5.02% 6.07% 8.33% 8.23% 7.55%

Yield on Loans and Leases 3.99% 4.76% 5.56% 5.97% 5.66%

Yield on Earning Assets 3.42% 4.26% 5.99% 5.53% 5.33%

Note: Bank-level financial data as of March 31, 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 March 31, 2026

($ in thousands) Non-Owner Occupied

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

Land – Unimproved 103 $ 247 $ 25,440 6.41%

Land Acquisition & Development - Commercial 36 $ 455 $ 16,385 7.03%

Land Acquisition & Development - Residential 63 $ 214 $ 13,473 6.32%

Retail – Anchored 48 $ 2,555 $ 122,629 4.62%

Retail – Unanchored 156 $ 1,243 $ 193,952 5.01%

1-4 Family Residential – Rental Property 14 $ 665 $ 9,305 6.31%

Office 143 $ 1,484 $ 212,158 5.01%

Multifamily (5+ Units) 334 $ 1,686 $ 563,050 5.19%

Industrial / Warehouse 79 $ 1,909 $ 150,843 5.21%

Self-storage / Mini-warehouse 16 $ 2,063 $ 33,003 5.32%

Healthcare 22 $ 2,656 $ 58,434 5.52%

Hospitality (Hotel / Motel) 27 $ 1,974 $ 53,311 5.53%

Gas Station / Convenience Store 23 $ 835 $ 19,195 5.55%

Restaurant / Bar 31 $ 671 $ 20,787 5.95%

Mobile Home Park 9 $ 909 $ 8,183 6.16%

Recreational 5 $ 466 $ 2,332 7.34%

Dealership 1 $ 78 $ 78 7.75%

School / Campus Real Estate 9 $ 1,604 $ 14,434 5.79%

Other 62 $ 596 $ 36,981 5.80%

1-4 Family Residential (Primary / Secondary Residence) 15 $ 327 $ 4,908 6.64%

1-4 Family Residential (For Sale Construction) 10 $ 828 $ 8,282 6.65%

Farmland 1 $ 128 $ 128 6.85%

Medical Office Building 22 $ 2,689 $ 59,165 4.38%

Student Housing 4 $ 402 $ 1,609 3.83%

Unassigned 9 $ 41 $ 370 7.44%

Grand Total 1,242 $ 1,311 $ 1,628,436 5.21%

Note: Bank-level financial data as of March 31, 2026

($ in thousands) Owner Occupied

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

Land Acquisition & Development - Commercial 3 $ 942 $ 2,826 7.03%

Retail – Anchored 3 $ 1,981 $ 5,944 5.13%

Retail – Unanchored 93 $ 461 $ 42,837 5.80%

1-4 Family Residential – Rental Property 2 $ 198 $ 395 6.67%

Office 213 $ 401 $ 85,387 5.78%

Industrial / Warehouse 233 $ 739 $ 172,186 5.36%

Self-storage / Mini-warehouse 1 $ 27 $ 27 5.00%

Healthcare 10 $ 723 $ 7,227 7.22%

Gas Station / Convenience Store 40 $ 857 $ 34,295 4.66%

Restaurant / Bar 68 $ 314 $ 21,364 6.29%

Recreational 57 $ 950 $ 54,136 7.21%

Dealership 18 $ 820 $ 14,756 5.52%

Parking Lot 4 $ 674 $ 2,696 5.39%

School / Campus Real Estate 17 $ 2,013 $ 34,225 3.64%

Other 135 $ 571 $ 77,077 5.55%

1-4 Family Residential (Primary / Secondary Residence) 4 $ 26 $ 102 7.88%

Medical Office Building 24 $ 753 $ 18,065 5.39%

Unassigned 42 $ 110 $ 4,625 6.12%

Grand Total 967 $ 598 $ 578,170 5.59%

Note: Bank-level financial data as of March 31, 2026

CRE Portfolio Detailed Breakdown by Asset Type

Owner Occupied CRE Portfolio Composition at March 31, 2026

Commercial Real Estate Portfolio Details

14 14

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

or 57% of the Total CRE Loans

($ in millions)

CRE Maturity Schedule CRE Repricing Schedule

Note: Bank-level financial data as of March 31, 2026 $182

$170

$244

$156

$191

8.27%

7.71%

11.07%

7.08%

8.64%

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)

$895

$326

$252

$186 $200

40.57%

14.78%

11.44%

8.41% 9.06%

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

44.2%

39.2%

4.1%

3.4%

3.4% 1.2% 0.3%

RMBS State & Political Subdiv Secs

Other Securities CMBS

Treasury Secs Structured Financial Products

ABS Govt & Agency Secs

Asset Class Breakdown(1) Commentary

• As of March 31, 2026, the Bank has ~$539.8 million of debt

securities (2)

• This represents 10.0% of total assets

• The securities portfolio primarily consists of U.S. government

agency & sponsored agency securities, and state & political

subdivision securities

• Other securities portfolio information:

• Weighted Average Life: 7.11 years (3)

• Yield on Debt & Equity Securities: 3.80%

• Market Value / Book Value: 92.6%

Note: Bank-level financial data as of March 31, 2026

(1) Each category percentage is the fair value of the securities divided by the fair value of all securities (2) ~$469.3mm of fair value available-for-sale securities and ~$70.6mm of carrying value held-to-maturity

securities (3) Bloomberg as of March 31, 2026

Investment Portfolio Composition & Performance

18%

49%

21%

C&I - Other

C&I - Equipment Financing

CRE (incl. Multifamily)

1-4 Family Residential

Consumer

Note: Consolidated (GAAP) financial data as of March 31, 2026

Summary Metrics

Nonperforming Loans by Type

• Nonperforming loans to totals loans:

• 0.28% at March 31, 2026 as compared to 0.28% at December 31, 2025

• Allowance for credit losses on loans to nonperforming loans:

• 341.3% at March 31, 2026 as compared to as of 354.4% at December 31, 2025

• Allowance for credit losses on loans:

• $39.6 million, or 0.94% of total loans, as of March 31, 2026, as compared to $39.0

million, or 0.96% of total loans, as of December 31, 2025

($ in thousands)

Q1 2026 Q4 2025

Total nonperforming loans $11,597 $11,320

Nonperforming loans to total loans 0.28% 0.28%

Total nonperforming assets $12,347 $12,070

Nonperforming assets to total assets 0.23% 0.23%

Net charge-offs (net of recoveries) $808 $1,811

Net charge-offs to avg. loans (annualized) 0.08% 0.18%

YTD net charge-offs (net of recoveries) $808 $2,867

YTD net charge-offs to avg. loans (annualized) 0.08% 0.07%

($ in thousands)

Nonaccrual

Loans with No

Allowance

Nonaccrual

Loans with

Allowance

Total

Nonaccrual

Loans

C&I - Other $932 $1,099 $2,031

C&I - Equipment Financing $422 $526 $948

CRE (incl. Multifamily) $1,381 $4,169 $5,550

1-4 Family Residential $2,360 – $2,360

Consumer $548 – $548

TOTAL $5,643 $5,794 $11,437

Asset Quality Summary

Note: Consolidated (GAAP) financial data as of March 31, 2026; Fed Funds Target Rate represents the day-weighted upper bound of the Fed Funds target

51% 44% 49% 51% 50%

17%

13% 11% 11% 12%

22%

24% 21% 22% 24%

10% 19% 18% 16% 14%

20%

40%

60%

80%

100%

2022 2023 2024 2025 2026Q1

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 March 31, 2026 9.0%

8.5%

8.0%

8.8% 9.0%

10.2%

11.1% 11.0% 11.0%

12.1%

10.4%

11.3% 11.2%

12.1%

14.2%

12.3%

14.3% 14.2%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

18.0%

2022 2023 2024 2025 2026Q1

Leverage Ratio CET1 Ratio Tier 1 Ratio Total RBC Ratio

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

Net-Operating Expense (%) (3)

Note: Consolidated (GAAP) financial data as of March 31, 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) 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)

57.1%

Efficiency ratio for Q1 ‘26

$111 million

Deposits per branch

Non-Interest Income & Expense

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

$173,850

3.02%

2.54%

2.84%

3.58% 3.67%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

$30,000

$60,000

$90,000

$120,000

$150,000

$180,000

2022 2023 2024 2025 2026Q1

NII

NIM (FTE)¹

4.04%

4.81%

5.62%

5.99%

5.80%

1.67%

1.77%

2.43%

3.15%

3.80%

0.51%

1.91%

2.40%

2.08%

1.90%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

6.00%

2022 2023 2024 2025 2026Q1

Loan Yield

Securities Yield

Cost of Funds

Note: Consolidated (GAAP) financial data as of March 31, 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

Net Interest Income & Net Interest Margin

Note: Consolidated (GAAP) financial data as of March 31, 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: 3/31/2026

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

Balance Sheet

Total Assets ($000) 3,553,515 3,742,289 5,091,657 5,270,578 5,107,879 5,159,636 5,270,578 5,423,330 13.9%

Total Securities ($000) 568,882 483,876 606,943 586,476 582,812 610,280 584,682 539,881 (1.6%)

Total Net Loans ($000) 2,702,644 2,828,252 3,951,729 4,028,694 3,957,182 3,977,340 4,028,694 4,151,797 14.1%

Total Deposits ($000) 3,046,598 3,279,037 4,407,552 4,434,069 4,287,349 4,289,731 4,434,069 4,425,369 12.2%

Tangible Equity ($000) (1) 251,875 277,052 358,768 416,161 387,332 404,035 416,161 423,358 17.3%

Loans / Deposits (%) 89.6 86.9 90.6 91.7 93.2 93.6 91.7 94.7

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

TCE / TA (%) (1) 7.2 7.5 7.2 8.1 7.7 8.0 8.1 8.0

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

Profitability

Net Income ($000) 38,090 27,380 8,498 59,187 16,956 15,246 11,976 14,747

ROAA (%) 1.12 0.74 0.19 1.17 1.36 1.19 0.92 1.15

ROAE (%) 11.9 8.3 2.1 11.9 13.9 12.0 9.2 11.3

Net Interest Margin (FTE) (%) (1) 3.02 2.54 2.84 3.58 3.69 3.54 3.60 3.67

Efficiency Ratio (%) (1) 55.9 64.1 63.8 56.5 53.9 56.5 59.5 57.1

Non-interest Inc. / Operating Rev (%) (3) 12.6 13.9 13.5 12.5 15.3 11.8 8.0 12.2

Noninterest Exp./ AA (%) 1.84 1.80 1.79 2.01 2.25 2.26 2.40 2.30

Asset Quality (%)

NPLs / Loans (%) 0.12 0.14 0.17 0.28 0.36 0.42 0.28 0.28

NPAs / Assets (%) 0.10 0.11 0.45 0.23 0.34 0.33 0.23 0.23

ACL / Loans (%) 1.01 0.77 1.05 0.96 1.02 0.99 0.96 0.94

NCOs / Avg Loans (%) 0.02 0.10 0.03 0.07 (0.01) 0.02 0.18 0.08

Yields and Costs (%)

Yield on Total Loans and Leases (%) 4.04 4.81 5.62 5.99 6.07 5.98 5.99 5.80

Yield on Debt and Equity Securities (%) 1.67 1.77 2.43 3.15 3.29 3.08 3.27 3.80

Cost of Int-bearing Deposits (%) 0.57 2.32 2.82 2.39 2.41 2.39 2.30 2.16

Cost of Funds (%) (4) 0.51 1.91 2.40 2.08 2.07 2.13 2.06 1.90

Financial Highlights

Note: Consolidated (GAAP) financial data as of March 31, 2026

Year-Ended December 31, Quarter-Ended

($ in thousands) 2022 2023 2024 2025 At March 31, 2026

Assets

Cash and Cash Equivalents $37,868 $187,365 $135,851 $268,984 $328,612

Available for Sale Securities 477,703 398,927 526,329 512,563 469,261

Held to Maturity Securities 91,179 84,851 78,184 72,047 70,557

Other Securities 9,740 5,278 12,650 2,598 3,054

Total Cash & Securities 616,490 676,421 753,014 856,192 871,484

Loans, net 2,702,644 2,828,002 3,951,729 4,027,889 4,150,616

Allowance for credit losses 27,472 21,895 41,776 39,007 39,586

Loans Held for Sale – 250 – 805 1,181

Total Net Loans 2,702,644 2,828,252 3,951,729 4,028,694 4,151,797

Real Estate Owned and Held for Investment 5,567 5,015 18,624 17,136 27,110

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

Intangible Assets 105 – 34,197 27,700 26,161

Total Intangible Assets 63,475 63,370 110,183 103,686 102,147

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

Total Other Assets 164,425 168,361 256,803 263,188 269,110

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

Liabilities

Total Deposits $3,046,598 $3,279,037 $4,407,552 $4,434,069 $4,425,369

Short-Term Borrowings 114,930 17,590 15,900 32,721 179,321

Long-Term Borrowings 555 25,000 98,637 134,352 134,750

Junior Subordinated Debt – – 8,039 8,140 8,167

Subordinated Debt 33,000 33,000 33,000 83,187 83,289

Total Other Liabilities 43,082 47,240 59,579 58,262 66,929

Total Liabilities $3,238,165 $3,401,867 $4,622,707 $4,750,731 $4,897,825

Equity

Common Equity $315,350 $340,422 $468,950 $519,847 $525,505

Total Equity $315,350 $340,422 $468,950 $519,847 $525,505

Tot Acc Other Comprehensive Inc (56,336) (44,351) (40,695) (24,691) (27,608)

Total Liabilities and Equity $3,553,515 $3,742,289 $5,091,657 $5,270,578 $5,423,330

Historical Consolidated Balance Sheet

Note: Consolidated (GAAP) financial data as of March 31, 2026

(1) For the three months ended March 31, 2026 // (2) Includes Realized Gain on Securities and Nonrecurring Revenue

Quarter-Ended (1)

($ in thousands) 2022 2023 2024 2025 2026Q1

Interest Income $111,334 $149,851 $211,460 $259,697 $64,704

Interest Expense 15,585 63,097 95,471 93,735 21,837

Net Interest Income $95,749 $86,754 $115,989 $165,962 $42,867

Provision for Credit Losses (449) 566 19,131 98 1,387

Total Noninterest Income (2) 11,845 14,133 18,336 21,727 6,898

Noninterest Expense 62,677 66,004 90,526 115,121 29,863

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

Net Income before Taxes $45,366 $32,501 $8,468 $72,234 $18,515

Provision for Taxes 7,276 5,121 (30) 13,047 3,768

Net Income $38,090 $27,380 $8,498 $59,187 $14,747

Memo: Realized Gain on Securities (2,007) 70 133 168 456

Memo: Nonrecurring Revenue – – – (2,197) 510

Historical Consolidated Income Statement

Note: Consolidated (GAAP) financial data as of March 31, 2026

($ in thousands)

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

Total Equity $315,350 $340,422 $468,950 $519,847 $494,096 $509,260 $519,847 $525,505

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 30,778 29,239 27,700 26,161

Tangible Equity $251,875 $277,052 $358,768 $416,161 $387,332 $404,035 $416,161 $423,358

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

Tangible Common Equity [A] $251,875 $277,052 $358,768 $416,161 $387,332 $404,035 $416,161 $423,358

Total Assets $3,553,515 $3,742,289 $5,091,657 $5,270,578 $5,107,879 $5,159,636 $5,270,578 $5,423,330

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 30,778 29,239 27,700 26,161

Tangible Assets [B] $3,490,040 $3,678,919 $4,981,475 $5,166,892 $5,001,115 $5,054,411 $5,166,892 $5,321,183

TCE / TA [C] = [A] / [B] 7.22% 7.53% 7.20% 8.05% 7.74% 7.99% 8.05% 7.96%

Common Shares Outstanding (Actual) [D] 7,158,017 7,040,852 9,990,724 9,994,595 9,994,696 9,994,595 9,994,595 10,010,488

TBVPS (Actual) [E] = [A] * 1000 / [D] $35.19 $39.35 $35.91 $41.64 $38.75 $40.43 $41.64 $42.29

Net Income [F] 16,956 $15,246 $14,747

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

Days in Year [H] 365 365 365

Average Tangible Common Equity [I] $383,484 $396,914 $428,187

ROATCE [J] = ([F] / [G] * [H]) / [I] 14.0%

Non-GAAP Financial Measures

Note: Consolidated (GAAP) financial data as of March 31, 2026

($ in thousands)

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

Interest income (GAAP) $111,334 $149,851 $211,460 $259,697 $65,335 $65,164 $66,772 $64,704

Plus: Adjustment to FTE 1,901 1,917 2,367 2,763 718 714 629 851

Interest income adjusted to FTE (non-GAAP) $113,235 $151,768 $213,827 $262,460 $66,053 $65,878 $67,401 $65,555

Less: Interest expense 15,585 63,097 95,471 93,735 23,138 23,981 23,738 21,837

Net interest income adjusted to FTE (non-GAAP) $97,650 $88,671 $118,356 $168,725 $42,915 $41,897 $43,663 $43,718

Noninterest expense (GAAP) $62,677 $67,820 $106,726 $115,357 $28,262 $28,678 $31,064 $29,863

Less: Amortization of intangible 363 105 3,367 6,397 1,684 1,515 1,515 1,517

Less: Acquisition related expenses – 1,816 16,200 236 6 6 1 6 – –

Noninterest expense (non-GAAP) $62,314 $65,899 $87,159 $108,724 $26,512 $27,147 $29,549 $28,346

Noninterest income (GAAP) $11,845 $14,133 $18,336 $21,727 $6,247 $5,501 $3,723 $6,898

Less: Net gains (losses) on equity securities (31) (11) 132 168 (7) (21) 125 456

Less: Gains on sale of fixed assets (1,976) 8 1 1 (74) – (615) (139) –

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

NII (FTE) plus noninterest income (non-GAAP) $111,502 $102,734 $136,559 $192,599 $49,169 $48,034 $49,641 $49,650

Average earning assets (GAAP) $3,232,891 $3,495,974 $4,162,208 $4,708,036 $4,665,649 $4,700,669 $4,805,466 $4,826,982

Net interest margin adjusted to FTE (non-GAAP) 3.02% 2.54% 2.84% 3.58% 3.69% 3.54% 3.60% 3.67%

Efficiency ratio (non-GAAP) 55.9% 64.1% 63.8% 56.5% 53.9% 56.5% 59.5% 57.1%

Non-GAAP Financial Measures

Provide BETTER BANKING to strengthen the

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Cover

May 15, 2026

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May 15, 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

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Common Stock, $2.00 par value

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PFIS

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NASDAQ

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