Total Assets
$4.5B
Total balance-sheet footings
FDIC Cert #90213 · Holyoke, Massachusetts · Est. 1885
PeoplesBank - FDIC Bank Health Profile
A community-scale look at PeoplesBank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $4.5B
- Total assets
- B
- Health grade · Good
- 0.55%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
PeoplesBank earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.20% Tier 1, 0.55% ROA, 69% efficiency ratio.
- #313
- largest of 4,313 FDIC banks by assets
- 93rd
- percentile by asset size, nationally
- 12.20%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How PeoplesBank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
PeoplesBank's composite health score
Tier 1 Capital Ratio (12.20%) 35/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (5.26%) 16/20
Efficiency Ratio (69.30%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.6B
Customer-funded liabilities
Net Loans
$3.5B
Outstanding loan book
Net Income
$24M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where PeoplesBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. PeoplesBank's score of 73/100 falls in the highlighted band.
PeoplesBank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). PeoplesBank's $4.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.20%
Texas Ratio
5.26%
Equity Capital
$399M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
6.23%
Efficiency Ratio
69.30%
What the numbers say about PeoplesBank
PeoplesBank is an FDIC-insured institution (Certificate #90213) headquartered in Holyoke, Massachusetts, established in 1885. It holds $4.5B in total assets - 313th of 4,313 FDIC-insured banks, $3.6B in customer deposits, and $3.5B in net loans. Looking at capital strength, Tier 1 stands at 12.20%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
PeoplesBank's asset base places it among the largest FDIC-insured institutions in the country, 313th of 4,313 nationally, and 13th of 91 banks headquartered in Massachusetts. Only Hingham Institution for Savings ($4.5B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$208M
Interest Income
$20M
Non-Interest Income
$94M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. PeoplesBank reports a Texas Ratio of 5.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) PeoplesBank (FDIC Cert #90213) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is PeoplesBank's health grade?▼
PeoplesBank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is PeoplesBank?▼
PeoplesBank holds $4.5B in total assets and $3.6B in deposits, ranking 313th of 4,313 FDIC-insured banks by asset size. It is headquartered in Holyoke, Massachusetts.
Is my money safe at PeoplesBank?▼
Yes, deposits at PeoplesBank (Certificate #90213) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is PeoplesBank's Tier 1 Capital Ratio?▼
PeoplesBank has a Tier 1 Capital Ratio of 12.20%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for PeoplesBank?▼
PeoplesBank has a Texas Ratio of 5.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is PeoplesBank?▼
PeoplesBank has an Efficiency Ratio of 69.30%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read PeoplesBank's profile as a depositor or analyst.
- PeoplesBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare PeoplesBank against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.