Peoples Trust Company of St. Albans: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 19.2% higher than in Q1 2026, at -$2.3M. Within Vermont, Peoples Trust Company of St. Albans is 4th of 10 on CET1 ratio, 16.41% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Peoples Trust Company of St. Albans sits 1.34 points higher, at 16.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.41% |
| Tier 1 risk-based capital ratio | 16.41% |
| Total risk-based capital ratio | 17.67% |
| Tier 1 leverage ratio | 11.79% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $46.1M |
| Tier 1 capital | $46.1M |
| Total risk-based capital | $49.6M |
| Total equity capital | $43.7M |
| Risk-weighted assets | $280.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.06% |
| Tangible equity to tangible assets | 11.06% |
| Equity capital to average assets | 11.19% |
| Internal capital growth rate | 7.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $265K |
| Common stock surplus | $8.4M |
| Retained earnings | $37.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.73% | 15.73% | 16.98% | 10.79% | $245.2M |
| Q4 2023 | 15.49% | 15.49% | 16.74% | 10.92% | $251.6M |
| Q1 2024 | 15.14% | 15.14% | 16.39% | 11.29% | $260.6M |
| Q2 2024 | 14.86% | 14.86% | 16.11% | 11.04% | $270.5M |
| Q3 2024 | 15.18% | 15.18% | 16.44% | 11.12% | $271.9M |
| Q4 2024 | 15.17% | 15.17% | 16.42% | 11.06% | $275.5M |
| Q1 2025 | 15.46% | 15.46% | 16.71% | 11.32% | $273.9M |
| Q2 2025 | 15.33% | 15.33% | 16.58% | 11.30% | $279.5M |
| Q3 2025 | 15.63% | 15.63% | 16.89% | 11.41% | $279.6M |
| Q4 2025 | 16.27% | 16.27% | 17.52% | 11.13% | $274.3M |
| Q1 2026 | 16.76% | 16.76% | 18.02% | 11.91% | $271.4M |
| Q2 2026 | 16.41% | 16.41% | 17.67% | 11.79% | $280.6M |
Peoples Trust Company of St. Albans regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Trust Company of St. Albans, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples Trust Company of St. Albans profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14168) · FFIEC NIC profile (RSSD 463605)