C
Peoples Trust Company of St. Albans
Rating Date
October 2025
Risk Based
Capital Ratio
16.89
Leverage
Ratio
11.41
Return On
Assets
1.07%
Total
Assets
388.71M
Capital
40.85M
Total
Deposits
342.11M
Net
Income
3.04M
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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 8.40
Capitalization Index 10.00
Liquidity Index 2.00
Profitability Index 4.80
Stability Index 6.80
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 4.57%
5-Year Asset Growth 7.60%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.49%
Non-Performing Loans to Capital 1.55%
Non-Performing Loans to Loans 0.74%
Balance Sheet Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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Total Assets 388.71M
Total Deposits 342.11M
Capital and Reserves Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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Capital 40.85M
Leverage Ratio 11.41
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 16.89
Liquidity Peoples Trust Company of St. Albans
Saint Albans, VT 		Click to
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Hot Money Ratio 13.93%
Liquidity Ratio 22.63%
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 3.04M
Net Interest Spread 4.27%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 72.62%
Return on Assets 1.07%
Return on Equity 10.44%