PeoplesBank (FDIC certificate #90213) is based in Holyoke, Massachusetts. Its Q2 2026 call report shows $4.6B in total assets and $3.5B in deposits and 21 offices across 2 states.
PeoplesBank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 72nd. Problem-loan coverage contributes the most (91/100, 4.7%); earnings contributes the least (37/100, 0.43%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (59 → 57), mostly because the funding & liquidity component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 60 |
| Q4 2024 | 58 |
| Q1 2025 | 60 |
| Q2 2025 | 59 |
| Q3 2025 | 58 |
| Q4 2025 | 58 |
| Q1 2026 | 56 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.66% |
| Q3 2024 | 8.75% |
| Q4 2024 | 9.02% |
| Q1 2025 | 9.14% |
| Q2 2025 | 9.36% |
| Q3 2025 | 9.49% |
| Q4 2025 | 9.46% |
| Q1 2026 | 9.36% |
| Q2 2026 | 9.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.57% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $4.6B | 9.26% | 0.57% | 0.43% | 99.7% |
| Q1 2026 | 56 | $4.6B | 9.36% | 0.64% | 0.41% | 101.9% |
| Q4 2025 | 58 | $4.5B | 9.46% | 0.63% | 0.55% | 96.6% |
| Q3 2025 | 58 | $4.3B | 9.49% | 0.74% | 0.59% | 97.7% |
| Q2 2025 | 59 | $4.3B | 9.36% | 0.33% | 0.60% | 98.6% |
| Q1 2025 | 60 | $4.3B | 9.14% | 0.17% | 0.49% | 97.6% |
| Q4 2024 | 58 | $4.3B | 9.02% | 0.30% | 0.53% | 100.4% |
| Q3 2024 | 60 | $4.3B | 8.75% | 0.21% | 0.55% | 91.5% |
| Q2 2024 | 57 | $4.4B | 8.66% | 0.35% | 0.51% | 91.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hingham Institution for SavingsBank Hingham, MA | 64 out of 100, Moderate | $4.6B | 11.2% | 0.78% | vs |
| Leader Bank, National AssociationBank Arlington, MA | 71 out of 100, Strong | $5.3B | 11.6% | 0.03% | vs |
| Institution for Savings in Newburyport and Its VicinityBank Newburyport, MA | 76 out of 100, Strong | $5.6B | 12.7% | 0.04% | vs |
| The Cape Cod Five Cents Savings BankBank Hyannis, MA | 68 out of 100, Moderate | $5.6B | 11.1% | 0.47% | vs |
| Northern Bank & Trust CompanyBank Woburn, MA | 69 out of 100, Moderate | $3.4B | 14.6% | 2.07% | vs |
| Bristol County Savings BankBank Taunton, MA | 72 out of 100, Strong | $3.3B | 14.4% | 0.60% | vs |
Deposit insurance
Is my money safe at PeoplesBank?
Yes. PeoplesBank is an FDIC-insured institution (FDIC certificate #90213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.3% of deposits ($923.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.26%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.01% (benchmark: 10%).
21 locations
Branches
PeoplesBank lists 21 offices in 18 cities across 2 states. Most locations:
- Holyoke, MA (3)
- Springfield, MA (2)
- Amherst, MA (1)
- Avon, CT (1)
- Chicopee, MA (1)
- East Granby, CT (1)
- East Longmeadow, MA (1)
- Glastonbury, CT (1)
- Hartford, CT (1)
- Longmeadow, MA (1)
- Ludlow, MA (1)
- Northampton, MA (1)
HMDA 2025
Mortgage lending
In 2025, PeoplesBank reported 1,106 home-loan applications under HMDA (LEI 549300IYKILIU506KA05): 811 originated ($251,795,000 total), 127 denied, and 153 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- PeoplesBank
- Former names
- Peoples Savings Bank
- Type
- SI
- FDIC certificate #
- 90213
- RSSD ID
- 613400
- Primary regulator
- FDIC
- Holding company
- Peoplesbancorp Mhc
- Established
- March 17, 1885
- Headquarters
- 330 Whitney Ave, Holyoke, MA 01040
- Website
- www.bankatpeoples.com
- Employees
- 372
Quick answers
PeoplesBank: common questions
Is PeoplesBank FDIC insured?
Yes. PeoplesBank is an FDIC-insured institution (FDIC certificate #90213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is PeoplesBank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has PeoplesBank ever failed?
There is no failure record for FDIC certificate #90213 in the FDIC failed bank list.
How many branches does PeoplesBank have?
21 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Holyoke
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stafford Savings BankBank Stafford Springs, CT | 95 out of 100, Very strong | $507.0M | 50.6% | 0.56% | vs |
| Greater Springfield Credit UnionCredit union Springfield, MA | 94 out of 100, Very strong | $230.3M | 19.7% | 0.45% | vs |
| MassMutual Private Wealth & Trust, FSBBank Springfield, MA | 93 out of 100, Very strong | $93.7M | 32.2% | 0.00% | vs |
| The Torrington Savings BankBank Torrington, CT | 82 out of 100, Strong | $1.0B | 19.0% | 0.14% | vs |
| Liberty BankBank Middletown, CT | 79 out of 100, Strong | $9.4B | 13.4% | 0.32% | vs |
| Polish National Credit UnionCredit union Chicopee, MA | 76 out of 100, Strong | $776.9M | 13.6% | 0.17% | vs |