Holyoke, MA · Cert 90213 · Peoplesbancorp MHC
SI · FDIC · 1 affiliate bank · 21 branches (38 in holding)
Q2 2026
Market Position · Springfield, MA · 2026 SOD (annual) · 17.1% share · #1 of 18 inst. · $2.4B of $14.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.53% | 0.49% | 0.60% | 0.59% | 0.55% | 0.41% | 0.43% | -17 bps | |
| Return on Equity | 6.67% | 6.44% | 5.75% | 6.88% | 6.74% | 6.23% | 4.68% | 4.83% | -205 bps | |
| Net Interest Margin | 2.32% | 2.37% | 2.55% | 2.59% | 2.60% | 2.53% | 2.54% | 2.53% | -7 bps | |
| Efficiency Ratio | 63.19% | 63.40% | 66.84% | 64.72% | 66.02% | 69.30% | 70.81% | 69.35% | +463 bps | |
| Non-Interest Burden | 1.29% | 1.32% | 1.63% | 1.56% | 1.61% | 1.69% | 1.75% | 1.69% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.19% | 5.53% | 2.75% | -1.46% | 1.02% | 3.84% | 7.35% | 6.65% | +811 bps | |
| Loan Growth (YoY) | 9.42% | 5.94% | 3.44% | 1.92% | 2.92% | 3.43% | 4.32% | 3.11% | +119 bps | |
| Deposit Growth (YoY) | 8.91% | 6.13% | 1.13% | -4.96% | -3.66% | 7.43% | -0.13% | 1.93% | +688 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.30% | 0.17% | 0.33% | 0.74% | 0.63% | 0.64% | 0.57% | +24 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.29% | 0.21% | 0.27% | 0.20% | 0.21% | 0.19% | 0.21% | -6 bps | |
| Allowance / Loans | 0.49% | 0.48% | 0.51% | 0.50% | 0.52% | 0.54% | 0.56% | 0.61% | +10 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.6x | 3.0x | 1.5x | 0.7x | 0.9x | 0.9x | 1.1x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.75% | 9.02% | 9.14% | 9.36% | 9.49% | 9.46% | 9.36% | 9.26% | -10 bps | |
| Total Risk-Based Capital | 11.64% | 11.86% | 12.18% | 12.36% | 12.83% | 12.76% | 12.62% | 13.01% | +65 bps | |
| Equity / Assets | 8.43% | 8.45% | 8.74% | 8.87% | 9.06% | 8.92% | 8.72% | 8.86% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.96% | 100.89% | 98.15% | 99.12% | 98.24% | 97.13% | 102.52% | 100.27% | +115 bps | |
| Liquid Assets / Assets | 0.47% | 0.68% | 0.45% | 1.25% | 0.75% | 0.95% | 0.73% | 1.23% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 328% | 321% | n/a | n/a | |