Peoples Trust Company of St. Albans: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Trust Company of St. Albans of Saint Albans, VT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.94% | 1.34% | -0.40% | 30th below |
| ROAE | 8.55% | 13.32% | -4.77% | 28th below |
| Net Interest Margin | 4.30% | 3.93% | +0.37% | 70th above |
| Efficiency Ratio | 74.35% | 61.13% | +13.22% | 21st bottom |
| PPNR / Avg Assets | 1.15% | 1.68% | -0.53% | 27th below |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 1.07% | 1.88% | -0.81% | 89th top |
| Net Interest Spread | 3.78% | 3.32% | +0.46% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.94% | -0.16% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.70% | -0.11% | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 62nd above |
| ACL / NPLs (Coverage) | 164.81% | 1539.25% | -1374.44% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.91% | 7.33% | -2.42% | 42nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 150.94% | 1396.21% | -1245.27% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.41% | 19.50% | -3.09% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.41% | 19.54% | -3.13% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.67% | 20.62% | -2.95% | 61st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.79% | 12.14% | -0.35% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.06% | 11.37% | -0.31% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.06% | 11.09% | -0.03% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.46% | 80.64% | +4.82% | 39th below |
| Core Deposit Ratio | 94.73% | 86.86% | +7.87% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.93% | 6.85% | -1.92% | 54th above |
| Loan Growth (Y/Y) | 3.42% | 7.90% | -4.48% | 39th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.87% | 6.29% | -1.42% | 56th above |
See Peoples Trust Company of St. Albans's peers by name
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Unlock Peoples Trust Company of St. Albans, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples Trust Company of St. Albans profile, how to read a UBPR, or how this data updates.