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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.74% | 0.38% | 0.29% | 0.14% | 1.09% | 0.77% | 0.50% | +21 bps | |
| Return on Equity | -3.48% | -8.81% | 4.26% | 3.27% | 1.55% | 12.45% | 8.34% | 5.42% | +215 bps | |
| Net Interest Margin | 2.04% | 2.04% | 2.15% | 2.32% | 2.45% | 2.46% | 2.89% | 3.10% | +78 bps | |
| Efficiency Ratio | 105.94% | 131.59% | 92.03% | 91.10% | 96.61% | 93.52% | 80.30% | 81.71% | -938 bps | |
| Non-Interest Burden | 2.21% | 2.90% | 1.89% | 2.05% | 2.35% | 2.26% | 2.25% | 2.49% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.09% | 5.13% | 6.66% | 6.70% | 7.43% | 8.50% | 40.46% | 49.01% | +4,231 bps | |
| Loan Growth (YoY) | 2.93% | 2.10% | 2.77% | 5.72% | 7.46% | 8.98% | 37.18% | 37.97% | +3,226 bps | |
| Deposit Growth (YoY) | 2.45% | 0.12% | 3.68% | 4.25% | 6.02% | 8.54% | 44.49% | 45.15% | +4,090 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.18% | 0.26% | 0.50% | 0.49% | 0.40% | 0.36% | 0.35% | -16 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.03% | -0.02% | 0.01% | 0.01% | 0.02% | 0.05% | +8 bps | |
| Allowance / Loans | 0.87% | 0.88% | 0.84% | 0.81% | 0.77% | 0.42% | 0.45% | 0.45% | -36 bps | |
| Allowance Coverage of NPLs | 3.4x | 4.8x | 3.3x | 1.6x | 1.6x | 1.1x | 1.3x | 1.3x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.43% | 10.05% | 9.75% | 9.63% | 9.49% | 9.58% | 9.23% | 9.22% | -40 bps | |
| Total Risk-Based Capital | 12.18% | 14.55% | 13.94% | 13.56% | 13.11% | 12.90% | 13.00% | 12.31% | -125 bps | |
| Equity / Assets | 7.65% | 9.15% | 8.87% | 8.83% | 8.74% | 8.77% | 9.57% | 8.84% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.51% | 102.13% | 100.74% | 105.03% | 104.91% | 102.54% | 95.65% | 99.84% | -519 bps | |
| Liquid Assets / Assets | 2.70% | 2.58% | 2.21% | 1.66% | 1.80% | 4.60% | 3.14% | 2.30% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 352% | 350% | 306% | n/a | n/a | |