🏦Bank Scorer

PEOPLES TRUST COMPANY OF ST. ALBANS

SAINT ALBANS, VT · Supervised by FDIC

Est. 1866FDIC #14,168RSSD: FDIC-14168
Satisfactory Same

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

25 Kingman St, SAINT ALBANS, VT

County

Franklin County

Established

November 12, 1866

Total Assets

$380M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$380M

Total Deposits

$334M

Net Loans

$285M

Net Income

$1M

ROA

1.09%

ROE

9.81%

Risk-Based Capital

18.02%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.50%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$333M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202420076%12.50%
202317570.29%14.86%
202221077.62%10.00%
202136378.51%10.47%
202043573.79%11.72%
201927965.59%19.35%
201825464.17%16.14%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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