{"slug":"polish-national","name":"Polish National","address":"923 Front Street","city":"Chicopee","state":"MA","zip":"01020","website":"http://www.pncu.com","branches":8,"branches_by_region":{"MA":8},"assets":759207882,"deposits":603493293,"loans":621843217,"employees":144,"net_income":0,"net_worth_ratio":13.63,"allowance_for_loan_losses":2048907,"charter_number":"66597","phone":"(413) 592-5108","ceo":"James P Kelly","type":"State","charter_date":"1921-07-19","members":28606,"employees_ft":123,"employees_pt":21,"loans_granted_ytd":2746,"loans_granted_amount_ytd":122819782,"loan_portfolio":{"new_vehicle":2618208,"used_vehicle":6979752,"credit_card":0,"unsecured":1914212,"first_mortgage":373883164,"heloc":59589940,"other_re":0,"other_secured":557033,"comm_owner_occ_re":10820382,"comm_non_owner_occ_re":29928804,"comm_multifamily":12033526,"comm_construction":1829594,"comm_farmland_re":0,"comm_ag_production":105745942,"comm_industrial":15942659,"comm_unsecured":0,"student_loans":0,"leases":0,"unaccounted":1},"interest_rates":{"credit_card":0,"unsecured":12,"new_vehicle":5.5,"used_vehicle":5.99,"first_mortgage":5.87,"heloc":6.39},"gov_lending":{"sba_count":18,"sba_balance":12761634,"sba_guaranteed":12761634,"other_gov_balance":105745942,"other_gov_guaranteed":98540023},"historical":[{"quarter":"2025 Q4","assets":759207882,"deposits":603493293,"loans":621843217,"net_income":0,"employees":144,"members":28606,"loans_granted":2746,"loans_granted_amount":122819782},{"quarter":"2025 Q3","assets":761082498,"deposits":597191776,"loans":624928341,"net_income":2163198,"employees":147,"members":28711,"loans_granted":1911,"loans_granted_amount":96462131},{"quarter":"2025 Q2","assets":757145221,"deposits":599310723,"loans":615736294,"net_income":1400767,"employees":143,"members":28678,"loans_granted":1223,"loans_granted_amount":65421318},{"quarter":"2025 Q1","assets":767968848,"deposits":604625907,"loans":610128204,"net_income":489786,"employees":136,"members":28712,"loans_granted":535,"loans_granted_amount":38307812},{"quarter":"2024 Q4","assets":744609358,"deposits":581055420,"loans":596948557,"net_income":0,"employees":141,"members":27727,"loans_granted":2138,"loans_granted_amount":98417217},{"quarter":"2024 Q3","assets":708986666,"deposits":585614585,"loans":594656694,"net_income":2102882,"employees":143,"members":27983,"loans_granted":1525,"loans_granted_amount":69402181},{"quarter":"2024 Q2","assets":719973675,"deposits":586422525,"loans":591410063,"net_income":1398768,"employees":134,"members":28097,"loans_granted":989,"loans_granted_amount":42320679},{"quarter":"2024 Q1","assets":732981630,"deposits":590601785,"loans":592088825,"net_income":600019,"employees":136,"members":28149,"loans_granted":428,"loans_granted_amount":14690314},{"quarter":"2023 Q4","assets":727623520,"deposits":584140543,"loans":600951243,"net_income":0,"employees":138,"members":28372,"loans_granted":1987,"loans_granted_amount":47145282},{"quarter":"2023 Q3","assets":746094305,"deposits":595732625,"loans":620656414,"net_income":3066063,"employees":141,"members":28613,"loans_granted":1504,"loans_granted_amount":37566250},{"quarter":"2023 Q2","assets":763653618,"deposits":611936970,"loans":633891758,"net_income":2214917,"employees":140,"members":28763,"loans_granted":997,"loans_granted_amount":25312649},{"quarter":"2023 Q1","assets":770650377,"deposits":624934928,"loans":646361670,"net_income":968863,"employees":140,"members":28941,"loans_granted":568,"loans_granted_amount":13667807},{"quarter":"2022 Q4","assets":774160950,"deposits":626408611,"loans":655427469,"net_income":0,"employees":142,"members":28989,"loans_granted":2896,"loans_granted_amount":146662954},{"quarter":"2022 Q3","assets":792410103,"deposits":645767748,"loans":666836435,"net_income":2895187,"employees":143,"members":29211,"loans_granted":2287,"loans_granted_amount":130522734},{"quarter":"2022 Q2","assets":818933098,"deposits":644913838,"loans":668474893,"net_income":2407310,"employees":151,"members":29232,"loans_granted":1434,"loans_granted_amount":99768954},{"quarter":"2022 Q1","assets":720556897,"deposits":582205388,"loans":618649914,"net_income":1064122,"employees":141,"members":25054,"loans_granted":678,"loans_granted_amount":53262537},{"quarter":"2021 Q4","assets":705019055,"deposits":567174127,"loans":594216624,"net_income":0,"employees":142,"members":25056,"loans_granted":2667,"loans_granted_amount":251252645},{"quarter":"2021 Q3","assets":698052620,"deposits":558926230,"loans":589809836,"net_income":5363881,"employees":136,"members":25072,"loans_granted":1934,"loans_granted_amount":192837154},{"quarter":"2021 Q2","assets":696919685,"deposits":558441316,"loans":580389560,"net_income":4236607,"employees":128,"members":25034,"loans_granted":1312,"loans_granted_amount":137096153},{"quarter":"2021 Q1","assets":685630032,"deposits":550655277,"loans":560593567,"net_income":2032513,"employees":124,"members":24974,"loans_granted":764,"loans_granted_amount":66930178},{"quarter":"2020 Q4","assets":675306219,"deposits":526661671,"loans":555110768,"net_income":0,"employees":114,"members":24943,"loans_granted":1801,"loans_granted_amount":209287085},{"quarter":"2020 Q3","assets":646728733,"deposits":520895998,"loans":523019611,"net_income":2068989,"employees":108,"members":25165,"loans_granted":1347,"loans_granted_amount":133777281},{"quarter":"2020 Q2","assets":644470047,"deposits":520117279,"loans":519318105,"net_income":743830,"employees":109,"members":25142,"loans_granted":918,"loans_granted_amount":78148367},{"quarter":"2020 Q1","assets":621321892,"deposits":493668699,"loans":513668215,"net_income":368632,"employees":128,"members":25119,"loans_granted":559,"loans_granted_amount":31049383}]}