Peoples Trust Company of St. Albans: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.17 percentage points between Q1 2026 and Q2 2026, to 5.77%. Among 12 Vermont banks, Peoples Trust Company of St. Albans sits 2nd from the top on net interest margin, 4.30% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Peoples Trust Company of St. Albans sits 0.35 points higher, at 4.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 1.50% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $917K |
| Interest expense on deposits | $917K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.49% | 0.54% | 4.01% |
| Q4 2023 | 4.61% | 0.58% | 4.07% |
| Q1 2024 | 4.63% | 0.63% | 4.05% |
| Q2 2024 | 4.80% | 0.81% | 4.05% |
| Q3 2024 | 4.96% | 0.89% | 4.14% |
| Q4 2024 | 4.98% | 0.93% | 4.13% |
| Q1 2025 | 4.97% | 0.91% | 4.13% |
| Q2 2025 | 5.12% | 0.92% | 4.27% |
| Q3 2025 | 5.25% | 0.93% | 4.40% |
| Q4 2025 | 5.27% | 1.01% | 4.34% |
| Q1 2026 | 5.19% | 1.02% | 4.26% |
| Q2 2026 | 5.28% | 1.07% | 4.30% |
Peoples Trust Company of St. Albans yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Trust Company of St. Albans, freeSource: Call Report Schedules RI and RC-K, 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)