BlastPoint's Banking Scorecard

PeoplesBank

$1B-$10B Specialty: Commercial MA FDIC cert 90213

Holyoke, MA

21 branches across MA · CT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +1.9% year over year ($3.5B on the books).
Delinquency rate 0.57%.
Return on assets 0.43%.
Efficiency ratio 69.35% vs a 59.73% peer average.
Loan-to-deposit ratio 99.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA

View $1B-$10B leaderboard (MA) →

PeoplesBank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 19.9% in tier
- Liquidity Strain: Bottom 36.8% in tier
- Return on Assets 0.96% below tier average
- Net Interest Margin 1.11% below tier average
- Efficiency Ratio 9.62% above tier average

Get updates when PeoplesBank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$4.6B +6.6% YoY -0.1% QoQ	+$1.8B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$3.5B +3.0% YoY -1.0% QoQ	+$1.5B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 14.5% in tier
Total Deposits ?	$3.5B +1.9% YoY +1.3% QoQ	+$1.2B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	0.43% -28.7% YoY +3.4% QoQ	-0.96%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 6.0% in tier
Net Interest Margin ?	2.76% -2.4% YoY +1.4% QoQ	-1.11%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 7.7% in tier
Efficiency Ratio ?	69.35% +7.2% YoY -2.1% QoQ	+9.62%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	0.57% +74.7% YoY -11.3% QoQ	-0.29%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	46%
Loan-to-Deposit Ratio ?	99.66% +1.1% YoY -2.2% QoQ	+14.63%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	15%
Non-Interest-Bearing Deposit Share ?	17.43% -2.4% YoY -0.9% QoQ	-3.84%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.47% +59.9% YoY -11.4% QoQ	-0.21%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	12.39% +4.5% YoY +2.8% QoQ	-2.46%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.22% -22.1% YoY +114.6% QoQ	-0.30%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	17.4% -0.4pp YoY -0.2pp QoQ	-3.9pp	21.4%	16.2%	22.2%	36%
Brokered Deposits	n/a	n/a	9.5%	6.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	8.9% -1.4pp YoY -0.8pp QoQ	-5.1pp	14.0%	6.5%	12.5%	39%
CRE	38.2% -0.6pp YoY 0.0pp QoQ	-11.9pp	50.0%	40.3%	41.4%	21%
1-4 Family	41.6% +1.2pp YoY +0.5pp QoQ	+15.2pp	26.4%	52.4%	31.3%	83%
Consumer	11.4% +0.6pp YoY +0.1pp QoQ	+6.7pp	4.7%	1.6%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	12.4% +0.5pp YoY +0.4pp QoQ	-3.2pp	15.6%	16.6%	19.7%	31%
Leverage Ratio	9.3% -0.1pp YoY -0.1pp QoQ	-2.0pp	11.3%	11.5%	12.6%	17%
Total Capital Ratio	13.0% +0.7pp YoY +0.4pp QoQ	-3.7pp	16.7%	17.5%	20.8%	21%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	372 +22 (+6.3%) YoY +12 (+3.3%) QoQ	+58	313	755	482	75%
Assets per Employee ($)	$12.4M +0.3% YoY -3.3% QoQ	+$1.9M	$10.5M	$10.7M	$8.8M	80%
Branch Count	21 +1 (+5.0%) YoY 0 QoQ	+1	20	13	18	68%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.6% +0.2pp YoY -0.1pp QoQ	-0.2pp	0.8%	0.8%	1.0%	58%
Allowance Coverage	1.07x -30.9% YoY +22.0% QoQ	-17.64x	18.71x	7.95x	20.23x	26%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	4.8% -2.0pp YoY +0.2pp QoQ	-7.8pp	12.6%	5.6%	11.6%	7%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.9%	2.0%	1.7%	78%
Net Income ($, YTD)	$9.7M -24.5% YoY — QoQ	-$9.5M	$19.2M	$31.7M	$40.4M	38%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#81 of 402 • Bottom 19.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#134 of 361 • Bottom 36.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.66%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

129

Total Loans

size

Value: $3.50B

Peer Median: $1.96B

#129 of 885 Top 14.5% in $1B-$10B

142

Total Assets

size

Value: $4.62B

Peer Median: $2.79B

#142 of 885 Top 15.9% in $1B-$10B

160

Total Deposits

size

Value: $3.51B

Peer Median: $2.32B

#160 of 885 Top 18.0% in $1B-$10B

Top Weaknesses (4 metrics)

833

Return on Assets

profitability

Value: 0.43%

Peer Median: 1.39%

#833 of 885 Bottom 6.0% in $1B-$10B

818

Net Interest Margin

profitability

Value: 2.76%

Peer Median: 3.87%

#818 of 885 Bottom 7.7% in $1B-$10B

750

Loan-to-Deposit Ratio

liquidity

Value: 99.66%

Peer Median: 85.04%

#750 of 885 Bottom 15.4% in $1B-$10B

690

Efficiency Ratio

profitability

Value: 69.35%

Peer Median: 59.73%

#690 of 885 Bottom 22.1% in $1B-$10B