← Back to Institutions
PeoplesBank
Holyoke, MA·FDIC Cert #90213·Charter: STATE·Est. 18850317.0·HC: PEOPLESBANCORP MHC
Total Assets
$4.5B
Q4 2025
Return on Assets
0.55%
-0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
69.30%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.55%-0.04
ROE
6.23%-0.51
Efficiency
69.30%+3.28
Equity/Assets
0.00%+0.00
NPL Ratio
0.63%-0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.60%-1.13
Charge-offs
0.21%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.5 | 0.6 | 0.5 | 0.5 | 0.6 | 0.6 | 0.5 |
| ROE | 3.4 | 6.2 | 6.7 | 6.4 | 5.8 | 6.9 | 6.7 | 6.2 |
| Efficiency | 67.3 | 64.8 | 63.2 | 63.4 | 66.8 | 64.7 | 66.0 | 69.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.3 | 0.2 | 0.3 | 0.2 | 0.3 | 0.7 | 0.6 |
| Charge-offs | 0.2 | 0.2 | 0.3 | 0.3 | 0.2 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 95.4 | 91.9 | 91.5 | 100.4 | 97.6 | 98.6 | 97.7 | 96.6 |
Balance Sheet
Total Assets$4.5B
Total Deposits$3.6B
Total Loans$3.5B
Total Equity$399.4M
Profitability
ROA0.55%
ROE6.23%
Efficiency Ratio69.30%
Net Income$23.9M
Risk & Asset Quality
NPL Ratio0.63%
Charge-off Rate0.21%
Loan/Deposit96.60%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans