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Peoples Trust Company of St. Albans

$100M-$1B Specialty: Commercial VT FDIC cert 14168

Saint Albans, VT

5 branches across VT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 7 in VT.
  • Deposits +4.9% year over year ($348.8M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.02%.
  • Efficiency ratio 75.25% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 7 in VT
View $100M-$1B leaderboard (VT) →

Peoples Trust Company of St. Albans has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.28% above tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 6.9% in tier
  • - Credit Quality Pressure: Bottom 22.1% in tier
  • - ROA 0.31% below tier average
  • - Efficiency Ratio 10.77% above tier average
Get updates when Peoples Trust Company of St. Albans releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Total Assets ? $395.4M
+4.9% YoY +4.1% QoQ
+$8.9M $386.6M
+1.2% YoY
$744.2M
+4.9% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $294.2M
+3.4% YoY +3.1% QoQ
+$35.9M $258.3M
+1.7% YoY
$538.3M
+6.1% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $348.8M
+4.9% YoY +4.3% QoQ
+$22.0M $326.7M
+0.7% YoY
$606.0M
+4.8% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.02%
+5.2% YoY -6.8% QoQ
-0.31% 1.32%
+10.8% YoY
0.88%
+34.8% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 4.26%
+1.0% YoY +0.6% QoQ
+0.28% 3.99%
+5.0% YoY
3.60%
+8.7% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 75.25%
+0.1% YoY +0.8% QoQ
+10.77% 64.48%
-3.2% YoY
75.18%
-3.3% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.41%
+16.0% YoY -8.6% QoQ
-0.51% 0.92%
+15.7% YoY
0.71%
+15.5% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 84.36%
-1.4% YoY -1.2% QoQ
+6.41% 77.95%
+1.0% YoY
86.19%
+1.4% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 28.39%
-5.6% YoY -0.9% QoQ
+6.36% 22.03%
-0.6% YoY
20.51%
+3.2% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 0.31%
+14.3% YoY -9.4% QoQ
-0.36% 0.67%
+16.4% YoY
0.60%
+14.2% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 16.41%
+7.1% YoY -2.1% QoQ
+0.51% 15.91%
+1.4% YoY
14.99%
+1.6% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.40%
+2.8% YoY +72.8% QoQ
-0.17% 0.57%
+7.6% YoY
0.33%
-3.2% YoY
0.66%
+5.2% YoY
Top 14.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Noninterest-Bearing 28.4%
-1.7pp YoY
-0.3pp QoQ
 +6.2pp 22.1% 20.5% 22.2% 77%
Brokered Deposits n/a n/a 7.9% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
C&I 3.6%
-0.4pp YoY
-0.3pp QoQ
 -8.0pp 11.6% 7.7% 12.5% 12%
CRE 35.9%
-5.5pp YoY
-1.1pp QoQ
 -3.7pp 39.5% 36.8% 41.4% 44%
1-4 Family 44.4%
+5.3pp YoY
+0.5pp QoQ
 +11.8pp 32.6% 53.7% 31.3% 76%
Consumer 2.9%
-0.9pp YoY
0.0pp QoQ
 -1.2pp 4.1% 2.2% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
CET1 Ratio 16.4%
+1.1pp YoY
-0.4pp QoQ
 -2.4pp 18.8% 15.8% 19.7% 60%
Leverage Ratio 11.8%
+0.5pp YoY
-0.1pp QoQ
 -0.4pp 12.2% 10.7% 12.6% 62%
Total Capital Ratio 17.7%
+1.1pp YoY
-0.3pp QoQ
 -2.3pp 19.9% 16.8% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Full-Time Employees 82
0 YoY
+2 (+2.5%) QoQ
 +23 58 99 482 78%
Assets per Employee ($) $4.8M
+4.9% YoY
+1.5% QoQ
 -$2.7M $7.5M $7.4M $8.8M 12%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.7% 1.0% 48%
Allowance Coverage 3.18x
-12.4% YoY
+7.9% QoQ
 -20.98x 24.15x 2.58x 20.23x 60%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
ROE 9.2%
-0.3pp YoY
-0.7pp QoQ
 -3.0pp 12.2% 9.1% 11.6% 32%
Cost of Funds (YTD) 1.0%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 10%
Net Income ($, YTD) $2.0M
+8.8% YoY
— QoQ
 -$590K $2.6M $3.5M $40.4M 51%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#66 of 936 • Bottom 6.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#279 of 1256 • Bottom 22.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.41%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

390
Non-Interest Income / Assets
revenue_mix
Value: 0.40%
Peer Median: 0.57%
#390 of 2643 Top 14.7% in $100M-$1B
611
Non-Interest-Bearing Deposit Share
funding
Value: 28.39%
Peer Median: 22.03%
#611 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (1 metrics)

2113
Efficiency Ratio
profitability
Value: 75.25%
Peer Median: 64.48%
#2113 of 2643 Bottom 20.1% in $100M-$1B
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