# PEOPLESBANK
HOLYOKE, MA · FDIC certificate 90213 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $4.62B | |
| Deposits | $3.51B | |
| Loans and leases | $3.52B | |
| Total equity | $409.4M | |
| Loans / deposits | 99.66% (p85 of band) | 87.10% |
| Liquid assets / assets | 17.06% (p32 of band) | |
| Uninsured deposits / deposits | 26.30% (p34 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.28% (p75 of band) | |
| FHLB advances / assets | 13.28% | |
| Tier 1 leverage | 9.26% (p18 of band) | 10.50% |
| Unrealized securities loss / equity | -10.17% (p40 of band) | -7.75% |
| AOCI / equity | 0.07% (p82 of band) | |
| ROA (annualized) | 0.43% (p7 of band) | 1.26% |
| Net interest margin | 2.76% (p8 of band) | 3.70% |
| Efficiency ratio | 69.35% (p78 of band) | |
| Noncurrent loans | 0.57% (p54 of band) | 0.51% |
| Net charge-offs (annualized) | 0.16% (p82 of band) | |
| Reserve coverage of noncurrent | 106.81% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 26.46% (p25 of band) | |
| Auto loans | $19.5M (0.55% of loans; DQ 0.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 372 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | wholesale funding >15%, expense ratio p90 |  |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 4 | loans exceed deposits, capital falling, expense ratio p90 |  |
| 2017-09 | 3 |  | expense ratio p90 |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | loans exceed deposits |
| 2018-09 | 3 | loans exceed deposits, brokered >10% |  |
| 2018-12 | 2 |  | brokered >10% |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | deposits shrinking |  |
| 2020-03 | 2 |  | deposits shrinking |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | loans exceed deposits |
| 2021-03 | 1 | expense ratio p90 | wholesale funding >15% |
| 2021-06 | 0 |  | expense ratio p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | securities losses >30% of equity |  |
| 2022-06 | 0 |  | securities losses >30% of equity |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2023-09 | 4 | brokered >10%, capital falling |  |
| 2023-12 | 3 | loans exceed deposits | reserve under noncurrent, brokered >10% |
| 2024-03 | 3 | brokered >10% | loans exceed deposits |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 | loans exceed deposits | brokered >10% |
| 2025-03 | 2 | brokered >10% | loans exceed deposits |
| 2025-06 | 1 |  | brokered >10% |
| 2025-09 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2025-12 | 2 |  | wholesale funding >15% |
| 2026-03 | 3 | loans exceed deposits, capital falling | uninsured deposits leaving |
| 2026-06 | 2 | uninsured deposits leaving | reserve under noncurrent, loans exceed deposits |

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

- 2026-03-09 [PeoplesBank plants its flag across a growing stretch of CT - hartfordbusiness.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOU3ZUSGxBLTFtVTdKdHkwZzRGOU1sM3RWSGlDb2w5TnphbFpyRHpKLTAwaFkxam42UGc2QzIteVhOXzZkcUpDMVQyeWl3WVhKYzZweFRGNS1YeEkySDhoc0hUVjhYZl9PLVEtc0p0a2FWdWFVU0pVTWVCcjIteThBOFNLdWY4OUFUeDhIQjltd1AyQ1ZFb0tYVWptdWM?oc=5) · hartfordbusiness.com
- 2025-11-10 [PeoplesBank gives $100K to food banks, pantries, survival centers in Mass., Conn. - masslive.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNaWlENjRhMG05cVZfN2JpcnN1Sl9KTVIySEV0WW93Rl9WbHBUdnlIU3dkUTBka2RGaHBHU1c4VHoyMzRobkFHSGV3UVlOaUJUd2x5YlEzcElXQ2tHWUJrWGduclFxbHJrcGZPUWFMN052QlJfN2pfS2Q1bDJCbE9iazdNcUhLRUdpZkcyWXNRc1Bnc1RvbVBnSWNnNXVWRjdIeWhyQWkyZHlEZkxEUlZFVWQtbnNNOUlBcVVXQmNuVGt5M3M?oc=5) · masslive.com
- 2025-06-25 [PeoplesBank system-wide upgrade causes disrupted service - WWLP](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYkVRSE4xczZENGtPa3JKTnRyNmxraExYSS1TeFhMaVdEdGhoaDF6R3BoVlh4V1JOc2g2c1UwSjBGdURHNnVaVWV3TDNHdVhlVGtfQklNYkw2cGx4bGxHZUJtSDdtMlZ3bGYzU3JEMkdsMTRfZWRYNE9kVjhpS29PSUZYYUZXanFaWXRFaW1aOTZRYWdwOVd0U3NB0gGfAUFVX3lxTE1TTHBJck1mQjhPX1NEMnBKMVQwenJnbGlaSDB6T0U3MW5sRWhQS2NzV1RxUDNEZHVTQWpINEd3S1ZPajRoSlZZMnBwcDVCMWgtZlFkUUREbGp2Wi00N084LWg1M2UwYjJMcVFsdUpiNXlseGpjdTZ3ZmZ6eW5ROC1ZSjVrS3RVNjB4eUx1Ymx6WGJJRW9ROE1zODZrbUhzMA?oc=5) · WWLP
- 2025-07-08 [Online banking issues continue for PeoplesBank customers - Western Mass News](https://news.google.com/rss/articles/CBMinAFBVV95cUxObUhGVzBTaGxITy1nYXZZeXc1SWNpa3JxNFRiQ2FFcTBBakFQU3hNZDY2M1hIUzF2VjByR19HSmhHM2JROHdjbE9kUWx2bWliUkNsQ1huUUlEVnVxUFJnOG80NmJjbnpCdEdfUThuMWxNbkxiam9jeHdpck1rcU1HbXp3MVdjX083VW5zUWN6QlVkWktJbmNxTEE5Q03SAbABQVVfeXFMTzVFV2pQZlQxQTJYSDRCSnVtal9WWVRiazRVU2ItdGRySlV3el9YaVpyQ2JramVILXE1R2h1aXpGbzA3YkdubDJRdTlBZ0Z0aFdzXzVCOFJETy14YWp5Y29VVHMwMjVzbm1ndTNYZmJYQnFER1BGcVNBUzFsdXRSM1FkeGV6bS1ONnF0R3A2UEgyYTZvNDN2ekpDdks4MDhYbTFMRUp1R3N5M1ROS3JERFI?oc=5) · Western Mass News
- 2025-07-20 [Why Massachusetts-based PeoplesBank is putting its name on the largest arena in Connecticut - ctinsider.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPOEI1UVBfajlOUkVVRmtfa0ppQ0NOR20tVzlCekdRVk9vVldWZDR4VV9lM3ZBdG43eTBvSlpaczh3YmswVDhZT0d0UjlSOTZoQmhpTm1ZUkttS0dTTHFlbEFyRkJLenp6SXlGYlhlcmpNaTBxdWdOaWlOM3VWcnk3VHk0TTFsdWQ5NXhhQjAteTdEam1ySmFPU0xYUTM2ZW5nQ21VTVBiWEg?oc=5) · ctinsider.com
- 2025-02-06 [Cornerstone and PeoplesBank in merger; no immediate change for customers - Worcester Telegram](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOZ1BjR3ZvRkVWdjUwNXBGZUhzMzd1b3loMFcxOUo3YjNrQnprWTRxTlFQWFBMNTdqLUxRXzd1UEg5VFQtQzV2TTE1Y1JocFlIOWdqdzR5Z0FVV1VyMFM3MkFEV05HSHJuUEp6ZkRZTUlJU01VbjdpV3AwWnVuM2l5QmdKT2V4LUN2SkFjVWdYRnpMaUE2TFZrejFrMFVpdHgxdXU5R19FcFItOVlTQ2p5cXYyV3BkemtqbHdrVktXNV9IMUJUaVl0UWpjQ1JWdVM1?oc=5) · Worcester Telegram
- 2024-06-21 [Cornerstone Bank to merge parent companies with Holyoke bank to form $6B entity - wbjournal.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPczVjZmRsQkpaR1ZtUVcxMGVZOHBnMUYxY1hhMmNaSEM1RTlFVnhxVXVhcFJWTHFzelI2N3JnNnhrZ1ExYWZBZ3l2QTVCbjR2bEJkd0RYNHlpblA3MklqNUJBSkZldWN0STVNcEFHamUxcjdwcUJKdjZ0cU1ubFRBdTNPdE5QQlIteE5pYlNsTDlTaDdOVVZ0dkVVQlB6MlpVZG1DSVo2RC1yR2dVRkE?oc=5) · wbjournal.com
- 2019-04-17 [PeoplesBank Issues 2019 Corporate Green Report - PR Newswire](https://news.google.com/rss/articles/CBMipAFBVV95cUxOZ2hjSkZfTEtsVnRMM3hwMVJtT1h6OHdGdFRtMGVxeG9vR01wQ0dET0tmNlYwU2lGM055VFJuUk1EVTU3MkRtUWp4MlRoVjhybDA3RjRLc3o1NnM4TU9SQy0xbnJ5Y3NEZ3FEWkxzbEpMUDlQMkJ1a1ZYNVNnMWlUMUlVZlZrRVdnTEp4dmRIOHBLVUVZYjRrR09PYnJRS0hQd3N0bg?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90213 (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 "90213", 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