Peoples Trust Company of St. Albans: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 1.79 percentage points higher than in Q1 2026, at 18.82%. Peoples Trust Company of St. Albans ranks 7th of 12 Vermont banks on loan-to-deposit ratio, in the lower half at 85.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples Trust Company of St. Albans sits 4.63 points higher, at 85.46% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $298.1M |
| Net loans and leases | $294.2M |
| Loans held for sale | $0 |
| Loans to total assets | 75.38% |
| Loan-to-deposit ratio | 85.46% |
| Net loans to equity capital | 6.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.00% |
| Multifamily (5+ residential) | 10.08% |
| Commercial and industrial | 3.53% |
| Consumer | 2.87% |
| Credit cards | 0.00% |
| Farm | 6.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 7.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 148.35% |
| Construction concentration (Tier 1 capital + allowance) | 18.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.78% |
| Interest income on loans | $4.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $229.1M | $322.8M | 26.98% | 4.94% | 4.30% |
| Q4 2023 | $239.4M | $317.6M | 28.02% | 4.86% | 4.23% |
| Q1 2024 | $250.7M | $323.4M | 27.98% | 4.91% | 4.01% |
| Q2 2024 | $262.2M | $330.9M | 27.60% | 4.73% | 4.01% |
| Q3 2024 | $268.5M | $328.0M | 27.63% | 4.38% | 3.77% |
| Q4 2024 | $276.4M | $325.9M | 26.79% | 4.30% | 3.87% |
| Q1 2025 | $273.1M | $330.9M | 26.76% | 4.42% | 3.76% |
| Q2 2025 | $288.2M | $332.6M | 25.82% | 3.93% | 3.75% |
| Q3 2025 | $292.3M | $342.1M | 25.16% | 3.85% | 3.36% |
| Q4 2025 | $291.6M | $339.2M | 23.10% | 3.82% | 2.99% |
| Q1 2026 | $289.2M | $334.4M | 22.93% | 3.84% | 2.83% |
| Q2 2026 | $298.1M | $348.8M | 22.00% | 3.53% | 2.87% |
Peoples Trust Company of St. Albans loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Trust Company of St. Albans, freeSource: Call Report Schedule RC-C, 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)