PeoplesBank
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Data as of · sourced from FFIEC call reports. How we update
PeoplesBank is an FDIC-insured savings bank headquartered in Holyoke, MA, established in 1885 (FDIC certificate 90213), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.62B, up 6.6% from Q2 2025, the 12th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 12.39% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90213
- Headquarters
- Holyoke, MA
- Established
- 1885
- Total assets, Q2 2026
- $4.62B
- Assets vs Q2 2025
- +6.6%
- CET1 ratio, Q2 2026
- 12.39%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 211871772
- Latest call report
- Q2 2026, FFIEC 041 · PeoplesBank call report
- Holding company
- PEOPLESBANCORP, INC
- Asset rank in state
- 12th of 89 in Massachusetts
PeoplesBank spends more to run itself than most banks of its size. The Holyoke, Massachusetts bank had $4.6 billion in assets at June 30, 2026, up 6.6% from a year earlier. It earns about $0.44 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.76 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Earnings fell sharply: quarterly net income of $5.1 million was 33% below a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.57% of loans from 0.33% a year earlier. Where it has less room is capital: it funds 9.26% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, PeoplesBank reported a CET1 capital ratio of 12.39%, a return on assets of 0.44%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 4.75%. The figures come from its call report filed with the FFIEC.
Of the 89 banks headquartered in Massachusetts, PeoplesBank is the 12th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $4.62B, loans fell 1.0% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.4% of total loans, followed by non-owner-occupied commercial real estate loans at 20.8%. Its 21 offices in the FDIC Summary of Deposits are in 18 cities across 2 states; its Holyoke 3 offices book 25% of its branch deposits. Judged on its Q2 2026 call report, PeoplesBank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 330 Whitney Ave, Holyoke, MA 01040
- County
- Hampden
- Metro Area
- Springfield, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 17, 1885
- Former names
- Peoples Savings Bank (1971-2003)
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 372
- Domestic deposits
- $3.51B
- Allowance for credit losses
- $21.4M
- Net charge-offs (YTD)
- $3.7M
- Average total assets
- $4.62B
- Average total loans
- $3.53B
- Average interest-bearing deposits
- $3.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 1, 1985
- FDIC Cert
- 90213
- Fed RSSD
- 613400
- Website
- www.bankatpeoples.com →
- Parent Holding Company
- PEOPLESBANCORP, INC (RSSD 3547038)
- Ultimate Parent
- PEOPLESBANCORP, MHC (RSSD 3186585)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, PeoplesBank's total assets ran between $3.94B (Q3 2023) and $4.63B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.62B total assets against $4.33B; $4.21B total liabilities against $3.95B.
$3.50B net loans and leases against $3.40B; $3.51B total deposits against $3.45B.
$693.3M securities against $535.9M; $95.2M cash and balances due against $74.0M.
$54.2M total interest income against $52.4M; $24.5M total interest expense against $23.9M.
$29.6M net interest income against $28.5M.
$5.5M total noninterest income against $7.5M; $24.8M total noninterest expense against $23.5M.
$3.4M provision for credit losses against $2.6M.
$5.1M net income against $7.6M.
0.44% return on assets against 0.70%; 2.76% net interest margin against 2.86%.
12.39% CET1 capital ratio against 11.85%; 9.26% tier 1 leverage ratio against 9.36%.
Inside the full PeoplesBank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
PeoplesBank rankings
Its closest position to the top of a national ranking is 296 of 4,196, for total assets; its furthest is 3,303 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q1 2026) to 0.70% (Q2 2025) and its net interest margin ran from 2.51% (Q3 2024) to 2.86% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.39% | 0.44% | 0.57% | 4.75% | 2.76% |
| Q1 2026 | 12.04% | 0.42% | 0.64% | 5.53% | 2.73% |
| Q4 2025 | 12.20% | 0.43% | 0.63% | 5.39% | 2.58% |
| Q3 2025 | 12.29% | 0.58% | 0.74% | 6.35% | 2.84% |
| Q2 2025 | 11.85% | 0.70% | 0.33% | 2.86% | 2.86% |
| Q1 2025 | 11.66% | 0.49% | 0.17% | 1.51% | 2.78% |
| Q4 2024 | 11.38% | 0.48% | 0.30% | 2.77% | 2.69% |
| Q3 2024 | 11.16% | 0.62% | 0.21% | 1.97% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| High Street Branch Office | Holyoke , MA | 01040 | $596.2M |
| Memorial Drive Branch | Chicopee , MA | 01020 | $336.5M |
| Yankee Pedlar Branch | Holyoke , MA | 01040 | $288.3M |
| St. James Avenue Branch | Springfield , MA | 01104 | $268.5M |
| South Hadley Branch | South Hadley , MA | 01075 | $264.7M |
| Suffield Branch | Suffield , CT | 06078 | $249.2M |
| Northampton Branch | Northampton , MA | 01060 | $209.0M |
| Williams Place Branch | Longmeadow , MA | 01106 | $195.7M |
| West Springfield Branch | West Springfield , MA | 01089 | $193.3M |
| Westfield Branch | Westfield , MA | 01085 | $171.0M |
| Springfield Branch | Springfield , MA | 01129 | $142.8M |
| East Longmeadow Branch | East Longmeadow , MA | 01028 | $138.8M |
| West Hartford Branch | West Hartford , CT | 06107 | $133.8M |
| Amherst Branch | Amherst , MA | 01002 | $105.2M |
| Ludlow Branch | Ludlow , MA | 01056 | $71.0M |
| East Granby Branch | East Granby , CT | 06026 | $61.8M |
| South Windsor Branch | South Windsor , CT | 06074 | $48.7M |
| Glastonbury Banking Center Branch | Glastonbury , CT | 06033 | $28.6M |
| Avon Banking Center Branch | Avon , CT | 06001 | $9.2M |
| Hartford Branch | Hartford , CT | 06103 | $250K |
| PeoplesBank (main office) | Holyoke , MA | 01040 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2018 | M&A | Acquired The First National Bank of Suffield merger for the acquired bank | SEC |
| December 1, 2018 | Structure Change | Acquired The First National Bank of Suffield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MA, rank 18 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,215 applications, 811 loans originated, $251.8M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.8M approved, $449K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about PeoplesBank
What are PeoplesBank's total assets?
As of the Q2 2026 filing, PeoplesBank reported total assets of $4.62 billion in its FFIEC call report.
Where is PeoplesBank headquartered?
It is headquartered in Holyoke, MA, United States.
When was PeoplesBank founded?
It was established in 1885, per the FDIC institution directory.
Is PeoplesBank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #90213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PeoplesBank?
PeoplesBank's primary federal regulator is the FDIC.
What is PeoplesBank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.39% in its Q2 2026 call report, above regulatory requirements.
How many branches does PeoplesBank operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PeoplesBank's Texas Ratio?
Its Texas Ratio is 4.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was PeoplesBank previously called?
The charter now named PeoplesBank has also operated as Peoples Savings Bank (1971-2003), per FDIC structure-change records.
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