PeoplesBank
Total assets
$4.62B
▲ +6.6% YoY
Deposits
$3.51B
▲ +1.9% YoY
Loans
$3.50B
▲ +3.0% YoY
Offices
21
PEOPLESBANCORP MHC
ROA (annualized)
0.43%
peers 1.26%
ROE (annualized)
4.83%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | PeoplesBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.2 pts |
| Deposit growth (YoY) | +1.9% | +5.1% | -3.1 pts |
| Loan growth (YoY) | +3.0% | +5.9% | -2.9 pts |
| ROA | 0.43% | 1.26% | -0.8 pts |
| ROE | 4.8% | 12.2% | -7.3 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
Profile
- Established
- 1885
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PEOPLESBANCORP MHC
- Specialization
- Commercial Lending Specialization
- Address
- 330 Whitney Ave, Holyoke, MA, 01040
- County
- Hampden
- Metro area
- Springfield, MA
- Offices
- 21
- FDIC cert #
- 90213
- RSSD ID
- 613400
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.62B | $3.51B | $3.50B | $409.4M | $9.7M | 0.43% | 2.76% | 0.47% |
| Q1 2026 | $4.63B | $3.47B | $3.54B | $403.2M | $4.7M | 0.41% | 2.72% | 0.53% |
| Q4 2025 | $4.48B | $3.61B | $3.49B | $399.4M | $23.9M | 0.55% | 2.77% | 0.52% |
| Q3 2025 | $4.35B | $3.52B | $3.44B | $393.8M | $19.2M | 0.59% | 2.84% | 0.62% |
| Q2 2025 | $4.33B | $3.45B | $3.40B | $384.6M | $12.9M | 0.60% | 2.83% | 0.29% |
| Q1 2025 | $4.31B | $3.47B | $3.39B | $376.7M | $5.3M | 0.49% | 2.79% | 0.17% |
| Q4 2024 | $4.31B | $3.36B | $3.38B | $364.5M | $22.8M | 0.53% | 2.61% | 0.27% |
| Q3 2024 | $4.30B | $3.65B | $3.34B | $362.9M | $17.5M | 0.55% | 2.58% | 0.25% |
Loan mix (Q2 2026): real estate $2.79B · commercial $312.7M · consumer $399.7M · securities $693.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | PeoplesBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 12.2% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.70% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 59.0% | 78th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | PeoplesBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | PeoplesBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | PeoplesBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | PeoplesBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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