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
Unfavorable gap of $77.9M · efficiency ratio beats 16% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.91% | 1.22% | 1.52% | Beats 5% | 312 / 328 | |
| Return on Equity | 4.76% | 8.43% | 11.45% | 14.43% | Beats 7% | 305 / 328 | |
| Net Interest Margin | 2.53% | 3.03% | 3.45% | 3.83% | Beats 5% | 310 / 328 | |
| Efficiency Ratio | 71.98% | 51.61% | 59.56% | 67.53% | Beats 16% | 277 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.24% | 0.51% | 1.03% | Beats 46% | 175 / 322 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.03% | 0.10% | Beats 24% | 247 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.39% | 11.75% | 13.15% | 15.47% | Beats 38% | 205 / 328 | |
| Total Risk-Based Capital Ratio | 13.01% | 12.63% | 14.15% | 16.46% | Beats 30% | 228 / 328 | |
| Equity / Assets | 8.86% | 9.15% | 10.33% | 12.01% | Beats 20% | 261 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 100.27% | 76.63% | 87.92% | 95.36% | 87th pctl | 41 / 323 | |
| Loans / Assets | 76.19% | 65.18% | 74.15% | 79.98% | 59th pctl | 136 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |