PeoplesBank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PeoplesBank of Holyoke, MA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.44% | 1.34% | -0.90% | 6th bottom |
| ROAE | 4.98% | 12.40% | -7.42% | 9th bottom |
| Net Interest Margin | 2.76% | 3.83% | -1.07% | 8th bottom |
| Efficiency Ratio | 67.30% | 57.84% | +9.46% | 24th bottom |
| PPNR / Avg Assets | 0.90% | — | — | 10th bottom |
| Yield on Earning Assets | 5.03% | 5.71% | -0.68% | 22nd bottom |
| Cost of Funds | 2.26% | 2.02% | +0.24% | 32nd below |
| Net Interest Spread | 2.24% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.57% | 1.00% | -0.43% | 53rd above |
| NPA / Total Assets | 0.43% | — | — | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.22% | 0.43% | -0.21% | 17th bottom |
| ACL / Total Loans | 0.61% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 106.81% | — | — | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.75% | 5.47% | -0.72% | 41st below |
| Provision / NCO | 166.55% | — | — | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.39% | 14.99% | -2.60% | 31st below |
| Tier 1 Ratio | 12.39% | 15.02% | -2.63% | 31st below |
| Total Capital Ratio | 13.01% | — | — | 22nd bottom |
| Leverage Ratio | 9.26% | 11.11% | -1.85% | 17th bottom |
| Equity / Assets | 8.86% | 11.02% | -2.16% | 20th bottom |
| TCE / Tangible Assets | 8.68% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.27% | 86.99% | +13.28% | 16th bottom |
| Core Deposit Ratio | 94.32% | 85.57% | +8.75% | 80th top |
| Uninsured Deposit Ratio | 26.30% | 33.19% | -6.89% | 67th above |
| Wholesale Funding Ratio | 13.28% | — | — | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.65% | — | — | 58th above |
| Loan Growth (Y/Y) | 3.11% | — | — | 34th below |
| Deposit Growth (Y/Y) | 1.93% | — | — | 28th below |
See PeoplesBank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PeoplesBank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full PeoplesBank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the PeoplesBank peer analysis.