Spencer, MA · Cert 90282 · Peoplesbancorp MHC
State charter, Fed member · FED · 1 affiliate bank · 17 branches (38 in holding)
Q2 2026
Market Position · Worcester, MA · 2026 SOD (annual) · 8.6% share · #4 of 26 inst. · $1.9B of $22.5B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.27% | 0.48% | 0.77% | 0.63% | +30 bps | |
| Return on Equity | 3.76% | 3.02% | 5.41% | 8.34% | 6.96% | +320 bps | |
| Net Interest Margin | 2.21% | 2.27% | 2.28% | 2.89% | 3.00% | +78 bps | |
| Efficiency Ratio | 91.57% | 93.25% | 93.32% | 80.30% | 81.02% | -1,055 bps | |
| Non-Interest Burden | 1.95% | 2.06% | 2.08% | 2.25% | 2.37% | +42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.70% | 7.43% | 8.50% | 40.46% | 49.01% | +4,231 bps | |
| Loan Growth (YoY) | 5.72% | 7.46% | 8.98% | 37.18% | 37.97% | +3,226 bps | |
| Deposit Growth (YoY) | 4.25% | 6.02% | 8.54% | 44.49% | 45.15% | +4,090 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.49% | 0.40% | 0.36% | 0.35% | -16 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.01% | 0.02% | 0.04% | +6 bps | |
| Allowance / Loans | 0.81% | 0.77% | 0.42% | 0.45% | 0.45% | -36 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.1x | 1.3x | 1.3x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.63% | 9.49% | 9.58% | 9.23% | 9.22% | -40 bps | |
| Total Risk-Based Capital | 13.56% | 13.11% | 12.90% | 13.00% | 12.31% | -125 bps | |
| Equity / Assets | 8.83% | 8.74% | 8.77% | 9.57% | 8.84% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.03% | 104.91% | 102.54% | 95.65% | 99.84% | -519 bps | |
| Liquid Assets / Assets | 1.66% | 1.80% | 4.60% | 3.14% | 2.30% | +64 bps | |
| CRE / Total Capital | n/a | 352% | 350% | 306% | n/a | n/a | |