Peoples Trust Company of St. Albans
Saint Albans, VT
IDRSSD: 463605
Total Assets
$388.71M
Latest filing
Total Deposits
$342.11M
Latest filing
Net Interest Margin
4.40%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/12/1866 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05478 |
| State and County Number | 50011 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Burlington-South Burlington, VT |
Operational Info
| Number of Employees | 82 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 04/02/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.ptcvt.com |
| Data Updated | 11/14/2025 |
| CERT | 14168 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $388.71M |
| Total Deposits | $342.11M |
| Total Liabilities | $347.86M |
| Total Equity Capital | $40.85M |
| Net Income | $1.23M |
| Net Loans and Leases | $288.48M |
| Assets Per Employee ($Millions) | $4.86M |
| Bank Premises and Fixed Assets | $4.86M |
| Cash and Balances due from Depository Institutions | $10.73M |
| Deposits Held in Domestic Offices | $342.11M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 12.39% |
| Net Interest Margin | 4.4% |
| Efficiency Ratio | 67.8% |
| Tier 1 Risk-Based Capital Ratio | 15.635% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.51% |
| Earning Assets to total Assets | 93.33% |
Income and Expense
| Total Interest Income | $4.72M |
| Total Noninterest Income | $744.00k |
| Total Interest Expense | $777.00k |
| Total Noninterest Expense | $3.17M |
| Net Interest Income | $3.94M |
| Pre-tax Net Operating Income | $1.44M |
| Provision for Credit Losses | $70.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.52M |
| Federal Funds Purchased and Repurchased Agreement | $2.75M |
| All Other Liabilities | $3.00M |
| Total Liabilities and Capital | $388.71M |
Securities
| Securities | $60.96M |
| Available-for-sale debt securities | $60.96M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples Trust Company of St. Albans?
$388.71M as of the latest filing.
How much are Peoples Trust Company of St. Albans's total deposits?
$342.11M in total deposits.
Where is Peoples Trust Company of St. Albans located?
Saint Albans, VT.
What is the Net Interest Margin?
4.40%.
How many domestic offices does it operate?
5.
When was it established?
11/12/1866.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$288.48M (latest filing).
What is the total interest income (latest filing)?
$4.72M.