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Commercial Banking

Peoples Security Bank and Trust was founded in 1905 on a foundation of being a trusted financial partner that understands your unique business needs and provides tailored solutions that will help you achieve your short and long term goals.

Our strength is based upon our local teams of Commercial Lending Professionals, who are relationship focused, listen to your needs and provide you quick answers in order to reach your financing goals. They have access to a wide array of business lending products that are competitively priced and at terms that work for your business.


Business Banking & Corporate Loans

We participate with a number of Government Agencies including the Small Business Administration (SBA), New York Business Development Corporation (NYBDC), Farmer's Service Agency (FSA), and the United States Department of Agriculture (USDA) to help provide the funding you need.

Financing Programs

People Security Bank provides a wide range of financing programs for businesses of all sizes. Our programs are able to solve needs like:

  • Working Capital
  • Equipment Purchases
  • Real Estate Purchase
  • Building Construction
  • Business Acquisition
  • Building Fit-Out

Loan Products

Peoples Security Bank meets the needs of its customers with competitive rates and terms in Commercial Loan Products such as:

  • Lines of credit
  • Term Loans
  • Equipment Guidance Lines
  • Commercial Mortgages
  • Construction Loans with or without mini-perms

Commercial Real Estate Financing

Our bank provides financing programs to fund the purchase, refinance or construction of Investment real estate. In addition, our commercial lending professionals have the experience to finance a wide array of commercial real estate projects. Our in-house construction administration team has the ability to promptly and accurately fund your project’s construction draws.

Our expertise extends to:

  • Office
  • Multi-family
  • Industrial/Warehouse
  • Residential Development
  • Residential or Commercial Land Development
  • Retail



Commercial Banking Lending Teams

Our professional commercial lending team can provide you with many options to help grow your business.

Meet Our Team