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Peoplesbank

Holyoke, MA · Cert 90213 · Peoplesbancorp MHC

SI · FDIC · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoplesbank

Holyoke, MA · Cert 90213 · Peoplesbancorp MHC

SI · FDIC · 1 affiliate bank · 21 branches (38 in holding)

Q2 2026

$4.6BAssets
$3.5BLoans
$3.5BDeposits
$409.4MEquity
Loan mix
79%RE $2.8B10%C&I $0.3B11%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $2.9B17%Noninterest $0.6BQ2 2025Q2 2026

NIM

4.65%Q2 ’244.79%Q2 ’254.62%Q2 ’26+10%-3%

Non-interest income vs. expense

1.99%Q2 ’242.12%Q2 ’252.13%Q2 ’26+11%+9%

Market Position · Springfield, MA · 2026 SOD (annual) · 17.1% share · #1 of 18 inst. · $2.4B of $14.1B

17.1% Hampden
8.8% Hampshire
1.0% Capitol

Executive Summary

  • Earnings: ROA of 0.43%, down 17 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.57% of loans (+24 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.26%, down 10 bps from a year ago.
  • Funding: loans stand at 100.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.43%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.53%-7 bps YoY

Efficiency Ratio (YTD, annualized)

69.35%+463 bps YoY

Tier 1 Leverage Ratio

9.26%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.59%0.55%0.41%0.43%-17 bps
Return on Equity6.88%6.74%6.23%4.68%4.83%-205 bps
Net Interest Margin2.59%2.60%2.53%2.54%2.53%-7 bps
Efficiency Ratio64.72%66.02%69.30%70.81%69.35%+463 bps
Non-Interest Burden1.56%1.61%1.69%1.75%1.69%+13 bps
Growth
Asset Growth (YoY)-1.46%1.02%3.84%7.35%6.65%+811 bps
Loan Growth (YoY)1.92%2.92%3.43%4.32%3.11%+119 bps
Deposit Growth (YoY)-4.96%-3.66%7.43%-0.13%1.93%+688 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.74%0.63%0.64%0.57%+24 bps
Net Charge-Offs / Loans0.27%0.20%0.21%0.19%0.21%-6 bps
Allowance / Loans0.50%0.52%0.54%0.56%0.61%+10 bps
Allowance Coverage of NPLs1.5x0.7x0.9x0.9x1.1x-0.5x
Capital
Tier 1 Leverage Ratio9.36%9.49%9.46%9.36%9.26%-10 bps
Total Risk-Based Capital12.36%12.83%12.76%12.62%13.01%+65 bps
Equity / Assets8.87%9.06%8.92%8.72%8.86%-2 bps
Liquidity & Funding
Loans / Deposits99.12%98.24%97.13%102.52%100.27%+115 bps
Liquid Assets / Assets1.25%0.75%0.95%0.73%1.23%-2 bps
CRE / Total Capitaln/a325%328%321%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoplesbank

Holyoke, MA · Cert 90213 · Peer group: banks $1B-$10B in assets (n=322-328) · Peoplesbancorp MHC

SI · FDIC · 1 affiliate bank · 21 branches (38 in holding)

Q2 2026

$4.6BAssets
$3.5BLoans
$3.5BDeposits
$409.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 46% of banks $1B-$10B in assets (rank 175 of 322).
  • Widest gap: net interest margin trails 95% of banks $1B-$10B in assets (rank 310 of 328).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.42%

Rank 312 of 328

Net Interest Margin

2.53%

Rank 310 of 328

Efficiency Ratio

71.98%

Rank 277 of 328

Equity / Assets

8.86%

Rank 261 of 328

Non-interest income vs. expense

$20.5M$98.5MINCOMEEXPENSE
Unfavorable gap of $77.9M · efficiency ratio beats 16% of banks $1B-$10B in assets
Bank 71.98%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.42%0.91%1.22%1.52%Beats 5%312 / 328
Return on Equity4.76%8.43%11.45%14.43%Beats 7%305 / 328
Net Interest Margin2.53%3.03%3.45%3.83%Beats 5%310 / 328
Efficiency Ratio71.98%51.61%59.56%67.53%Beats 16%277 / 328
Asset Quality
Nonperforming Loans / Loans0.57%0.24%0.51%1.03%Beats 46%175 / 322
Net Charge-Offs / Loans0.12%0.01%0.03%0.10%Beats 24%247 / 322
Capital
Tier 1 Capital Ratio12.39%11.75%13.15%15.47%Beats 38%205 / 328
Total Risk-Based Capital Ratio13.01%12.63%14.15%16.46%Beats 30%228 / 328
Equity / Assets8.86%9.15%10.33%12.01%Beats 20%261 / 328
Liquidity & Funding
Loans / Deposits100.27%76.63%87.92%95.36%87th pctl41 / 323
Loans / Assets76.19%65.18%74.15%79.98%59th pctl136 / 328
Brokered Deposits / Depositsn/aNot reported for this institution