Peoples Financial Services is a bank holding company. Through its subsidiary, Co. provides a range of financial services. Co. provides a range of retail and commercial lending products to consumers and small- and medium-sized businesses in its market areas. Co.'s retail lending products include the following types of loans, among others: residential real estate; automobiles; manufactured housing; personal and home equity. Co.'s commercial lending products include the following types of loans, among others: commercial real estate; working capital; equipment and other commercial needs; construction; Small Business Administration; and agricultural and mineral rights.