C
Peoples Trust Company of St. Albans
Rating Date
March 2026
Risk Based
Capital Ratio
17.52
Leverage
Ratio
11.13
Return On
Assets
1.08%
Total
Assets
384.28M
Capital
42.34M
Total
Deposits
339.19M
Net
Income
4.14M
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Weiss Ratings Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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Rating C
Asset Quality Index 7.80
Capitalization Index 10.00
Liquidity Index 1.80
Profitability Index 4.80
Stability Index 7.00
Company Info Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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FDIC Number 14168
Phone Number (802) 524-2196
Website www.ptcvt.com
Asset Quality Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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1-Year Asset Growth 4.03%
5-Year Asset Growth 2.79%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.61%
Non-Performing Loans to Capital 3.69%
Non-Performing Loans to Loans 0.90%
Balance Sheet Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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Total Assets 384.28M
Total Deposits 339.19M
Capital and Reserves Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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Capital 42.34M
Leverage Ratio 11.13
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 17.52
Liquidity Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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Hot Money Ratio 15.03%
Liquidity Ratio 23.00%
Profitability Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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5-Year Return on Average Assets 0.74%
Net Income 4.14M
Net Interest Spread 4.29%
Operating Profit to Average Assets 1.20%
Overhead Efficiency Ratio 72.48%
Return on Assets 1.08%
Return on Equity 10.49%