Peoples Financial Q2 FY26 net income drops 12.74% to $14.8 million; net interest margin widens 13 basis points to 3.82%

• Peoples Financial Services posted Q2 net income of $14.8 million, down $2.2 million from a year earlier; diluted EPS fell to $1.48.
• Annualized ROAA slipped to 1.13% from 1.36%; ROAE eased to 11.10% from 13.87%.
• Net interest margin (FTE) widened 13 basis points to 3.82% from a year earlier; net interest income rose to $45.6 million.
• Provision for credit losses was $3.1 million, swinging from a $0.2 million benefit a year earlier, primarily reflecting strong loan growth.
• Total loans climbed $305.3 million to $4.3 billion year over year; deposits increased $221.5 million to $4.5 billion.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Peoples Financial Services Corp. published the original content used to generate this news brief on July 30, 2026, and is solely responsible for the information contained therein.