PEOPLESBANK

HOLYOKE, MA | Large | Est. March 17, 1885, midnight | FDIC #90213 | RSSD #613400 | FDIC
Latest Report: 2025-12-31

PEOPLESBANK is aln large FDIC-insured commercial bank headquartered in HOLYOKE, MA, established in March 17, 1885, midnight. As of 2025-12-31, the bank reported total assets of $4.5B and total deposits of $3.6B. Profitability stands at 0.43% ROA and 4.73% ROE, with a net interest margin of 2.59%. The bank's CET1 capital ratio is 12.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 5.26%. FDIC Certificate #90213.

Assets

$4.5B

Deposits

$3.6B

Loans

$3.5B

Equity

$399M

Profitability

Return on Assets (ROA) 0.43%
Return on Equity (ROE) 4.73%
Net Interest Margin (NIM) 2.59%
Yield on Assets 5.02%
Cost of Funds 3.15%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.21%
Texas Ratio 5.26%
NPA Ratio 0.49%
ACL / Loans 0.54%

Capital & Liquidity

CET1 Ratio 12.20%
Tier 1 Capital 12.20%
Total Capital Ratio 12.76%
Leverage Ratio 9.46%
Loan-to-Deposit 97.13%

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