PEOPLES TRUST COMPANY OF ST. ALBANS

SAINT ALBANS, VT | Small | Est. Nov. 12, 1866, midnight | FDIC #14168 | RSSD #463605 | FDIC
Latest Report: 2025-12-31

PEOPLES TRUST COMPANY OF ST. ALBANS is asn small FDIC-insured commercial bank headquartered in SAINT ALBANS, VT, established in Nov. 12, 1866, midnight. As of 2025-12-31, the bank reported total assets of $384M and total deposits of $339M. Profitability stands at 1.14% ROA and 10.62% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 16.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 3.21%. FDIC Certificate #14168.

Assets

$384M

Deposits

$339M

Loans

$292M

Equity

$42M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 10.62%
Net Interest Margin (NIM) 4.58%
Yield on Assets 5.59%
Cost of Funds 1.06%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.21%
NPA Ratio 0.39%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 16.27%
Tier 1 Capital 16.27%
Total Capital Ratio 17.52%
Leverage Ratio 11.13%
Loan-to-Deposit 85.96%

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