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Peoples Trust Company Of St. Albans
Saint Albans, VT · FDIC Certificate #14168 · Chartered 11/1
Total assets
$395.44M
Total deposits
$348.76M
Total equity
$43.74M
Net loans
$294.21M
Branches (offices)
5
Net income (YTD)
$1.97M
Rank: #2,078 of 4,213 U.S. banks by assets · #8 of 12 in Vermont. Assets changed 4.9% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 9.16% |
| Net interest margin (YTD) | 4.26% |
| Equity to assets | 11.06% |
| Tier 1 leverage ratio | 11.79% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 84.4% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $256.54M | 87.2% | |
| Commercial & industrial | $10.59M | 3.6% | |
| Consumer / individual | $8.61M | 2.9% | |
| Construction & development | $9.39M | 3.2% | |
| Agricultural | $1.82M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $366.58M | $329.79M | $591.00K | $32.33M |
| Jun 2023 | $354.02M | $316.21M | $1.39M | $33.01M |
| Jun 2024 | $371.77M | $330.93M | $1.67M | $35.83M |
| Jun 2025 | $376.85M | $332.56M | $1.81M | $38.79M |
| Jun 2026 | $395.44M | $348.76M | $1.97M | $43.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $348.76M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $348.76M.
Similar-sized banks
Austin Capital Bank SSB ($395.45M) · Ascendia Bank ($395.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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