Peoples Trust Company of St. Albans: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 31.9% higher than in Q1 2026, at $14.9M. Within Vermont, Peoples Trust Company of St. Albans is 7th of 12 on loan-to-deposit ratio, 85.46% as of Q2 2026, below the middle of the field. Peoples Trust Company of St. Albans reported 85.46% on loan-to-deposit ratio for Q2 2026, 4.63 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.3M |
| Fed funds sold and reverse repos | $14.9M |
| Fed funds sold and reverse repos to assets | 3.76% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.46% |
| Net loans and leases to deposits | 84.36% |
| Loans and leases to core deposits | 90.22% |
| Core deposits to total deposits | 94.73% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 70.97% | 95.99% | $3.2M | $0 |
| Q4 2023 | 75.38% | 96.29% | $3.2M | $0 |
| Q1 2024 | 77.51% | 96.32% | $3.2M | $0 |
| Q2 2024 | 79.23% | 95.82% | $3.2M | $0 |
| Q3 2024 | 81.85% | 95.45% | $3.2M | $0 |
| Q4 2024 | 84.80% | 95.20% | $3.2M | $0 |
| Q1 2025 | 82.53% | 94.15% | $2.8M | $0 |
| Q2 2025 | 86.67% | 94.00% | $2.8M | $0 |
| Q3 2025 | 85.43% | 94.12% | $2.8M | $0 |
| Q4 2025 | 85.96% | 93.31% | $0 | $0 |
| Q1 2026 | 86.47% | 93.31% | $0 | $0 |
| Q2 2026 | 85.46% | 94.73% | $0 | $0 |
Peoples Trust Company of St. Albans liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Trust Company of St. Albans, freeSource: Call Report Schedules RC and RC-M, 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)