🏦Bank Scorer

PEOPLESBANK

HOLYOKE, MA · Supervised by FDIC

Est. 1885FDIC #90,213RSSD: FDIC-90213
Part ofPEOPLESBANCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: November 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.41%

Institution Profile

FDIC BankFind

Address

330 Whitney Ave, HOLYOKE, MA

County

Hampden County

Established

March 17, 1885

Total Assets

$4.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.6B

Total Deposits

$3.5B

Net Loans

$3.5B

Net Income

$5M

ROA

0.41%

ROE

4.68%

Risk-Based Capital

12.62%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.43%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

20

Branch Deposits

$3.4B

1-Year Change

+1

5-year net change: -3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,10267.6%11.43%
20231,11365.41%14.56%
20221,49368.92%12.53%
202198574.42%9.14%
20201,21165.81%10.65%
20191,10274.59%10.89%
20181,12377.03%8.99%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/79127f52-30ff-4ab0-92ba-6fa2a762b0e5"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: