BanksPEOPLES TRUST COMPANY OF ST. ALBANS

PEOPLES TRUST COMPANY OF ST. ALBANS

SAINT ALBANS, VTSmallEst. Nov. 12, 1866, midnightFDIC #14168RSSD #463605FDIC
Latest · 2025-12-31

PEOPLES TRUST COMPANY OF ST. ALBANS is an 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%. CET1 capital ratio: 16.27%, well above regulatory minimums. NPL ratio: 0.51% · Texas Ratio: 3.21%. Operates 5 domestic branches.

Assets
$384M
Deposits
$339M
Loans
$292M
Equity
$42M

Profitability

Return on Assets (ROA)1.14%
Return on Equity (ROE)10.62%
Net Interest Margin4.58%
Yield on Assets5.59%
Cost of Funds1.06%

Asset Quality

NPL Ratio0.51%
Net Charge-Off Ratio0.03%
Texas Ratio3.21%
NPA Ratio0.39%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio16.27%
Tier 1 Capital16.27%
Total Capital Ratio17.52%
Leverage Ratio11.13%
Loan-to-Deposit85.96%

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