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Peoplesbank
Holyoke, MA · FDIC Certificate #90213 · Chartered 03/1
Total assets
$4.62B
Total deposits
$3.51B
Total equity
$409.41M
Net loans
$3.50B
Branches (offices)
21
Net income (YTD)
$9.75M
Rank: #302 of 4,213 U.S. banks by assets · #12 of 89 in Massachusetts. Assets changed 6.6% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 4.83% |
| Net interest margin (YTD) | 2.76% |
| Equity to assets | 8.86% |
| Tier 1 leverage ratio | 9.26% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | 0.21% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 79.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.79B | 79.8% | |
| Commercial & industrial | $312.72M | 8.9% | |
| Consumer / individual | $399.65M | 11.4% | |
| Construction & development | $108.34M | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.51B | $3.04B | $14.55M | $331.08M |
| Jun 2023 | $4.00B | $3.21B | $13.57M | $357.43M |
| Jun 2024 | $4.40B | $3.63B | $10.71M | $352.46M |
| Jun 2025 | $4.33B | $3.45B | $12.91M | $384.57M |
| Jun 2026 | $4.62B | $3.51B | $9.75M | $409.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $2.98B | 14 |
| Connecticut | $531.49M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.51B.
Similar-sized banks
First National Bank Texas ($4.64B) · Verabank, National Association ($4.58B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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