Risk factors

Peoples Financial Services (PFIS) risk factors

Item 1A of every Peoples Financial Services Corp. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    89 risks, 20 new, 39 dropped, 61 reworded since the prior year. Credit exposure remains central: $4.1 billion of loans includes $3.2 billion in business lending and a $39.0 million ACL.

    Filed Mar 16, 2026
  • FY2024 10-K risk factors

    108 risks. Peoples Financial Services Corp.'s risk profile is dominated by integration risks from the FNCB merger, high uninsured deposit levels, asset quality and nonperforming asset growth, and interest rate and liquidity management.

    Filed Mar 28, 2025