PeoplesBank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 19.27 percentage points higher than in Q1 2026, at 106.81%. PeoplesBank ranks 70th of 89 Massachusetts banks on return on assets, in the lower half at 0.44% (Q2 2026). Against a median of 1.27% for banks in the $1B-10B asset tier, PeoplesBank reported 0.44% on return on assets in Q2 2026, 0.83 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.39% |
| Tier 1 risk-based capital ratio | 12.39% |
| Total risk-based capital ratio | 13.01% |
| Tier 1 leverage ratio | 9.26% |
| Equity capital to assets | 8.86% |
| Tangible equity to tangible assets | 8.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.57% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 4.75% |
| Allowance for credit losses to loans | 0.61% |
| Reserve coverage of non-performing loans | 106.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 4.98% |
| Net interest margin | 2.76% |
| Efficiency ratio | 67.30% |
| Yield on earning assets | 5.03% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.27% |
| Core deposits to total deposits | 94.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.98% |
| Securities to assets | 15.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.09% | 12.09% | 12.55% | 9.82% | 0.74% |
| Q4 2023 | 10.88% | 10.88% | 11.36% | 8.88% | 1.27% |
| Q1 2024 | 10.63% | 10.63% | 11.16% | 8.77% | 0.28% |
| Q2 2024 | 10.58% | 10.58% | 11.08% | 8.66% | 0.72% |
| Q3 2024 | 11.16% | 11.16% | 11.64% | 8.75% | 0.62% |
| Q4 2024 | 11.38% | 11.38% | 11.86% | 9.02% | 0.48% |
| Q1 2025 | 11.66% | 11.66% | 12.18% | 9.14% | 0.49% |
| Q2 2025 | 11.85% | 11.85% | 12.36% | 9.36% | 0.70% |
| Q3 2025 | 12.29% | 12.29% | 12.83% | 9.49% | 0.58% |
| Q4 2025 | 12.20% | 12.20% | 12.76% | 9.46% | 0.43% |
| Q1 2026 | 12.04% | 12.04% | 12.62% | 9.36% | 0.42% |
| Q2 2026 | 12.39% | 12.39% | 13.01% | 9.26% | 0.44% |
PeoplesBank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PeoplesBank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full PeoplesBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90213) · FFIEC NIC profile (RSSD 613400)