PeoplesBank, a Codorus Valley Company
Our records indicate that this bank has been acquired by Orrstown Bank.
Headquarters
109 Leaders Heights Rd
York, PA 17403
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2026 Overview
General Bank Information
PeoplesBank, a Codorus Valley Company is an FDIC insured institution located in York, PA. It was founded in 1934 and has approximately $2.22 billion in assets.
| FDIC Insured | Yes |
| FDIC Certificate | # 13879 |
| Date Established | 1934 |
| Assets | $ 2.19 billion |
| Loans | $ 1,715.76 million |
| Deposits | $ 1,955.27 million |
| Capital | $ 233.54 million |
For a more detailed analysis of PeoplesBank, a Codorus Valley Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 26, 2026
Your Current Location: New York, NY 10116
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Loan Rates - September 26, 2026
Your Current Location: New York, NY 10116
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
3.99% | 4.49% | Varies |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 5.24% | 5.24% | $751.97 | |
| 4 Year | 5.24% | 5.24% | $578.45 | |
| 5 Year | 5.24% | 5.24% | $474.53 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.40% | 6.65% | $2,814.35 | |
| 15 Year Fixed Conforming See Amortization Table |
6.16% | 6.91% | $2,860.71 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.64% | 6.77% | $2,078.92 | |
| 30 Year Fixed Conforming See Amortization Table |
6.60% | 6.98% | $2,123.60 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.40% | 6.65% | $2,814.35 | |
| 15 Year Fixed Conforming See Amortization Table |
6.16% | 6.79% | $2,838.28 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.64% | 6.77% | $2,078.92 | |
| 30 Year Fixed Conforming See Amortization Table |
6.60% | 6.85% | $2,096.62 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
PeoplesBank, a Codorus Valley Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
PeoplesBank, a Codorus Valley Company Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|
Climate Policy and Initiatives
PeoplesBank, a Codorus Valley Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
PeoplesBank, a Codorus Valley Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of PeoplesBank, a Codorus Valley Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| PeoplesBank, a Codorus Valley Company | U.S. Bank Average |
|---|---|
| 3.57% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, PeoplesBank, a Codorus Valley Company had $8,909,000 in non-current loans and $138,000 in owned real estate. To cover these potential losses it had $233,540,000 in equity and $20,060,000 in loans loss reserves. That gives it a Texas Ratio of 3.57%.
Return on Equity
| PeoplesBank, a Codorus Valley Company | U.S. Bank Average |
|---|---|
| 12.73% | 10.69% |
PeoplesBank, a Codorus Valley Company has a Return on Equity of 12.73% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| PeoplesBank, a Codorus Valley Company | U.S. Bank Average |
|---|---|
| 10.66% | 11.75% |
PeoplesBank, a Codorus Valley Company has a Capitalization of 10.66% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
PeoplesBank, a Codorus Valley Company Balance Sheet Analysis
As of June 30, 2024, PeoplesBank, a Codorus Valley Company had assets of $2,218,961,000, loans of $1,715,761,000, and deposits of $1,955,272,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 45.47 million |
| Interest-bearing balances | $ 25.89 million |
| Total securities | $ 331.03 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,715.76 million |
| Loan loss allowance | $ 20.06 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.14 million |
| Goodwill and other intangibles | $ 2.51 million |
| All other assets | $ 83.84 million |
| Total Assets | $ 1,985.42 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 1,955.27 million |
| Interest-bearing deposits | $ 1,569.16 million |
| Deposits held in domestic offices | $ 1,955.27 million |
| % insured (estimated) | 87.09% |
| Federal funds purchased and repurchase agreements | $ 7.94 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 1.25 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 13.24 million |
| Total Liabilities | $ 1,985.42 million |
| Shareholders’ Equity | $ 205.36 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 59.83 million |
| Total Interest Expense | $ 23.69 million |
| Net interest income | $ 36.14 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 8.61 million |
| Total non interest expense | $ 38.01 million |
| Pre-tax Net Operating Income | $ 9.42 million |
Bank Loan Profile?
The top three loan types in PeoplesBank, a Codorus Valley Company’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.
Compared to other banks in Pennsylvania, PeoplesBank, a Codorus Valley Company has a significantly higher percent of Small Business Loans, Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 18.32 | ✓ | ||
| Multifamily Mortgages |
5.69 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.04 | ✓ | ||
| Small Business Loans | 7.17 | ✓ | ||
| Construction and Development Loans | 10.60 | ✓ | ||
| Commercial Real Estate | 39.81 | ✓ | ||
| Commercial and Industrial Loans | 9.67 | ✓ | ||
| Farm Loans | 0.58 | ✓ | ||
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