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. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    89 risks20 new39 dropped61 reworded

    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