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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Peoplesbank

Holyoke, Massachusetts · $4.62B in assets · beside the 11 other Massachusetts banks between $3B and $10B

The filing

8.9%
Equity / assets
11th of 12
0.42%
ROA
11th of 12
72.0%
Efficiency
9th of 12

Peoplesbank is the seventh largest of the 12 Massachusetts banks nearest its size between $3B and $10B, with $4.62B in assets at 30 June 2026. Loans are 100.3% of deposits, 5th of 12 against a median of 102.7%, and equity is 8.9% of assets, 11th of 12. Loans grew +3.1% in the year, 7th of 12, and deposits grew 1.9%; the cohort's median loan growth is +3.5%.

Noncurrent loans are 0.57% of the book, 6th of 12 against a median of 0.57%; 0.18% is 30 to 89 days past due, and the allowance covers them 1.1 times. Net charge-offs are 0.21% of loans, 11th of 12. Commercial real estate is 34.8% of loans, 7th of 12 against a median of 33.5%, and 274% of capital, below the 300% screen, with construction at 24% against the 100% screen.

Return on assets is 0.42%, 11th of 12 against a median of 0.92%, on an efficiency ratio of 72.0%, 9th of 12. Five years ago it was 0.67%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 0.92% NB Northern Bank & Trust Co. 1.89% HI Hingham Institution for Savings 1.25% IS Institution Savings Newburyport & 1.05% TB Trunorth Bank 1.04% NB Needham Bank 1.01% Uf Unibank for Savings 0.99% LB Leader Bank National Association 0.85% CC Cape Cod Five Cents Savings Bank 0.75% MS Middlesex Savings Bank 0.72% BC Bristol County Savings Bank 0.62% P Peoplesbank 0.42% CS Cambridge Savings Bank 0.36%
Loans, year over yearMA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.5% NB Needham Bank +42.8% LB Leader Bank National Association +10.2% BC Bristol County Savings Bank +8.9% TB Trunorth Bank +7.5% MS Middlesex Savings Bank +6.4% NB Northern Bank & Trust Co. +3.8% P Peoplesbank +3.1% Uf Unibank for Savings +3.1% IS Institution Savings Newburyport & +2.6% CS Cambridge Savings Bank +0.9% HI Hingham Institution for Savings -0.7% CC Cape Cod Five Cents Savings Bank -5.1%

SBA 7(a), FY2008 to FY2026

Peoplesbank is the 87th largest 7(a) lender into Connecticut of 230, with $6M across 12 loans, 0.1% of everything approved in the state (Webster Bank National Association leads with $446M). 2 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Connecticut, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hartford, CT$4M30th of 1010.7%quiet FY2020
Naugatuck Vly, CT$2M28th of 700.8%thin
Hampden, MA$2M32nd of 830.6%thin
Hampshire, MA$1M25th of 551.3%-2.5 pts
Franklin, MA$487K17th of 341.0%quiet FY2022
Capitol, CT$40K101st of 1010.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade2$3M32.9%0.01%603rd of 1,651
Manufacturing6$2M21.7%0.00%1115th of 2,246
Health care & social assistance10$840K9.6%0.00%1254th of 2,172
Accommodation & food services4$584K6.7%0.00%1846th of 2,596
Professional & technical services5$507K5.8%0.00%1255th of 1,955
7(a) lenders into Connecticut, share of approvals since FY2008230 lenders on record; the ten largest and Peoplesbank
WB Webster Bank National Association 11.1% $446M · 1,608 loans Ma Manufacturers and Traders Trust C… 7.9% $315M · 2,046 loans LO Live Oak Banking Company 7.7% $307M · 252 loans NS Newtek Small Business Finance, In… 5.7% $227M · 276 loans KN KeyBank National Association 4.3% $173M · 570 loans TB TD Bank, National Association 4.3% $173M · 1,038 loans BB Beacon Bank and Trust 3.6% $146M · 418 loans CB Celtic Bank Corporation 3.4% $134M · 178 loans WF Wells Fargo Bank National Associa… 3.1% $126M · 350 loans LB Liberty Bank 2.7% $109M · 734 loans P Peoplesbank 0.1% $6M · 12 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
PeoplesbankRankCohort median
Total CRE against capital, the 300% screen274%9th of 12212%
Construction against capital, the 100% screen24%5th of 1226%
Construction and land development, share of loans3.1%3rd of 124.2%
Non-owner-occupied nonfarm nonresidential, share of loans20.8%9th of 1218.3%
Total CRE, the guidance definition, share of loans34.8%7th of 1233.5%
CRE growth over 36 months, the third prong+5.8%6th of 12+7.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Needham Bank$7.42B1.0%59.3%0.43%0.45%1.3%102.6%10.9%
Cambridge Savings Bank$6.98B0.4%75.9%1.26%0.09%1.0%108.8%10.2%
Middlesex Savings Bank$6.15B0.7%68.2%0.33%0.01%0.9%73.2%13.1%
Cape Cod Five Cents Savings Bank$5.62B0.7%71.8%0.47%0.02%0.5%95.7%10.6%
Institution Savings Newburyport &$5.56B1.1%74.0%0.04%0.00%0.3%126.5%12.5%
Leader Bank National Association$5.28B0.9%63.4%0.03%0.00%1.0%102.9%10.5%
Peoplesbank$4.62B0.4%72.0%0.57%0.21%0.6%100.3%8.9%
Hingham Institution for Savings$4.56B1.2%36.3%0.78%0.00%0.8%150.5%11.1%
Northern Bank & Trust Co.$3.38B1.9%47.1%2.07%0.07%2.2%102.9%14.1%
Trunorth Bank$3.32B1.0%60.9%0.58%0.12%0.5%92.7%14.7%
Bristol County Savings Bank$3.26B0.6%77.5%0.60%0.06%0.9%103.5%14.4%
Unibank for Savings$3.11B1.0%58.1%0.62%0.01%1.4%83.6%7.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
PeoplesbankCohort median
20212026Change20212026Change
Loans$2.34B$3.52B+50%$2.29B$3.86B+69%
Deposits$2.73B$3.51B+28%$2.46B$3.44B+40%
NPA / loans0.66%0.57%-0.09 pts0.45%0.57%+0.13 pts
Efficiency75.4%72.0%-3.4 pts62.2%65.8%+3.6 pts
ROA0.67%0.42%-0.25 pts1.12%0.92%-0.20 pts

This read was prepared for Peoplesbank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Peoplesbank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $3B to $10B
Institution www.bankatpeoples.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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