SAINT ALBANS, VT · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$380M
Total Deposits
$334M
Net Loans
$285M
Net Income
$1M
ROA
1.09%
Above avg for Small banks. Peer avg: 0.44%
ROE
9.81%
Risk-Based Capital
18.02%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 200 | 76% | 12.50% |
| 2023 | 175 | 70.29% | 14.86% |
| 2022 | 210 | 77.62% | 10.00% |
| 2021 | 363 | 78.51% | 10.47% |
| 2020 | 435 | 73.79% | 11.72% |
| 2019 | 279 | 65.59% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2023 | Satisfactory | Small Bank |
| Apr 2020 | Satisfactory | Small Bank |
| Mar 2017 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1990
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Total Branches
5
Branch Deposits
$333M
1-Year Change
0
5-year net change: -1 branches
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Preview:
| 2018 | 254 | 64.17% | 16.14% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red