Peoples Financial Services Corp. is a community bank holding company operating through Peoples Security Bank and Trust Company and equipment financing subsidiary 1st Equipment Finance, serving small- and medium-sized businesses and consumers across Pennsylvania, New Jersey, and New York. The company's primary revenue comes from interest income on a diversified lending portfolio heavily weighted toward commercial real estate loans, along with commercial, residential, and consumer loans, while non-interest income derives from deposit services, merchant services, trust and wealth management, and banking fees. The bank funds its lending operations through deposits and other borrowings, and competes by emphasizing local decision-making, relationship-focused service, senior management accessibility, and community involvement in economically diverse, higher-density markets.