# PEOPLES FEDERAL SAVINGS BANK
BRIGHTON, MA · FDIC certificate 29861 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $596.0M | |
| Deposits | $438.8M | |
| Loans and leases | $484.9M | |
| Total equity | $93.4M | |
| Loans / deposits | 109.58% (p95 of band) | 80.75% |
| Liquid assets / assets | 13.52% (p14 of band) | |
| Uninsured deposits / deposits | 10.54% (p16 of band) | 19.51% |
| Brokered deposits | 0.77% | |
| Wholesale funding | 10.42% (p69 of band) | |
| FHLB advances / assets | 8.89% | |
| Tier 1 leverage | 15.68% (p95 of band) | 10.04% |
| Unrealized securities loss / equity | 0.25% (p34 of band) | 1.00% |
| AOCI / equity | 0.08% (p17 of band) | |
| ROA (annualized) | 0.66% (p30 of band) | 0.89% |
| Net interest margin | 3.14% (p20 of band) | 3.63% |
| Efficiency ratio | 64.64% (p37 of band) | |
| Noncurrent loans | 0.54% (p34 of band) | 0.89% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 154.32% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 18.35% (p30 of band) | |
| Auto loans | $3.1M (0.63% of loans; DQ 0.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 | reserve under noncurrent | capital falling |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | loans exceed deposits |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-12-08 [For local banks, acquisitions have been the main way to add branches - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPTFVqcmllSlBKbGVIMlk0VHJVWHBndzgwUGpnajNtUzFBd2I5TGxuOXkyb1FMQ2VRRmkwYnllZ0VjUFdTaHFkbFNodU5McnkwRzNkaFQ5M0dQZEFNUVRKU0Y5YXNRX2pUYkUyeHVkVFYwR2d1S0g3UW9NVnBYWl9Eb0RScTA0eTdzd3Y3RS1GS3NKNVphSzRfN244OFVJU2tHTmNIVA?oc=5) · The Business Journals
- 2025-08-25 [Movers & Shakers for Aug. 25, 2025 - wbjournal.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5YdGpBazdsOHlMTHdkLUdvYnFmbVBSV3FIOVVKcW9zSGhKQVJ2TFNqVkhrSXJMRkdqVXA2NHNQV0M1eW5oSm9IWFJxOFE3T3lWVW9sQVJiOUJfbWp2amJfSF9PMUxlUjk3RFpmYjRR?oc=5) · wbjournal.com
- 2018-09-20 [Rockland Trust bulks up in Boston with Blue Hills deal - The Boston Globe](https://news.google.com/rss/articles/CBMiygFBVV95cUxPVVBIX3RUd2ZqS1BvSGVObG5xLWhaYk1RTjNkbFdxWUpFTEtTeEd5ek13bXNhSUtLV01CRnFJeHlSN1Bac0g5NmtEUzRlcVRzS0pGM3B4OGhYbUtUaEp1cGZlbVlxNFd0SExkM2ZOZEpBdDJnOElWbTNtNmdNdmg1WGtuYzhYU0dMR0tad2tNY0pCOHhZLXpJUUFHNmtDSlJmcFMzWFU1el8tckFTN0toNmRlSzJSZjAzOWxGWlE4TTBwY2xzVk50eV9R?oc=5) · The Boston Globe
- 2016-02-07 [NBSB hires Dunn as VP of Deposit Operations - Worcester Telegram](https://news.google.com/rss/articles/CBMinwFBVV95cUxNd0c5SG9OR3lZQ0hXZTBPbGFiLXdsVEVSRVdQWExRa3kzdFZULXVwZFVjQm96MmxsY3lWSTNDVm5ObEVlME1EZXQzMmY0bW9Ldk9FdzA3UmFid2haelYwc1RvdkgzTEh4X1Z2Vk1SVkVlNldnaVdBTW9fblV1R3JRa3RTV1hXazlrQkRCMlFuZXpOTV9pbEdwSlc5dURHSFE?oc=5) · Worcester Telegram
- 2014-09-14 [Maria McLaughlin Obituary (2014) - Other Towns, FL - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZW1rUjZ0WnZDUFJveUU3ZkZaZHJMZlpXWGtpdXdsemhFZ25mYXRmcGZaaDFWY0NlQXNBeTBTd1E1SjE3WkxjUVVrWnlqbm40bFdDbHFQLVVpYjBrNGxzaExhNTJadHBiTGJqdzFwbVl4el8yUUd4NFlqLS1OTG5yZ19RcnZHSWM0WUFZUDF4MFBrbTNwZVlNaW5R?oc=5) · The Columbian Recent Obituaries
- 2024-05-10 [Anthony Lacey Obituary - Dorchester., MA. - Boston Herald](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5Vc3RxSTJUajkteC03T2NCcWl4NHdXdmtKbk5rOW53eEJmdTk1NTBFVU41cjdXUHJmd3lPVk9QWnM5VFJrZlNZNXdnMnU5SFNfMVR2NWp4TXR3TjE2dHFvTERyOWpFMFU?oc=5) · Boston Herald
- 2014-09-14 [Maria McLaughlin Obituary (2014) - Other Towns, FL - The Seattle Times - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNGtYdEt1SjVGMVJqZFhXbUh6YzJJNVNkZE5ob2w3UnAxVEczZzdIMEJaTXVHT1BLTVRoeWtIZlNIM0NXTU11Q0NYbUdEOG9CV3ZtaUc5X05kd1JDXzZ3cFc4SE1XSGs3aEtFTUstbXdZMTNnQmhsQ3lhaDNoaFA4OXZnLUlPc05UckhaR19IazExREh2NjNz?oc=5) · legacy.com
- 2014-08-05 [Rockland Trust finally gets branches in Boston with $131M Peoples deal - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOMFRvN1JpVno5NzJFaEJfOFQ1TXJ2ZXNXSVJJQ0pNNm16UEMyYnBaMzU3WVNCdkZGLTBMVVh3eU03SjJrSk43aWZvUXFFQTlnTkVmdHJYbXY0Yy1fWUo0TElkd0ZmSmpSSXpzZmxJNkRqWGd6QkFJU01QVlp0ZFR1eVVaMUN2M2Z4YmpUczdIZjFTMWRzbE02U0lBQjZLSnZVSEY5blk2Y1ZVWWs1VUl6NFNn?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29861 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "29861", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide