Peoples Trust Company of St. Albans

Peoples Trust Company of St. Albans Locations

25 Kingman Street
Saint Albans, VT 5478
800-479-2196
www.peoplestrustcompany.com

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Peoples Trust Company of St. Albans is headquartered in Saint Albans and is the 10^st largest bank in the state of Vermont. It is also the 2,769^th largest bank in the nation. It was established in 1866 and as of March of 2012, it had grown to 102 employees at 6 locations. Peoples Trust Company of St. Albans has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Peoples Trust Company of St. Albans Checking Account Rates

Apy	Min	Max	Product
0.05%	$1k	-	Classic Connection
0.05%	$1k	-	Business Connect

Peoples Trust Company of St. Albans Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Health Connect Health Savings Account
0.15%	-	-	Club Choice
0.10%	-	-	Personal Savings & ATM Savings
0.10%	-	-	Traditional Club
0.10%	-	-	Coach Club Savings

Peoples Trust Company of St. Albans Money Market Rates

Apy	Min	Max	Product
0.30%	$150k	-	Premium Business Money Market
0.25%	$75k	-	Personal Money Market
0.10%	-	-	Basic Business Money Market

Peoples Trust Company of St. Albans CD Rates

Apy	Min	Max	Product
1.55%	$500	-	60 Month CD
1.10%	$500	-	48 Month CD
0.85%	$500	-	36 Month CD
0.70%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.45%	$500	-	12 Month CD
0.30%	$500	-	6 Month CD
0.25%	$500	-	3 Month CD
0.20%	$500	-	1 Month CD
0.10%	$500	-	30 Month CD

Peoples Trust Company of St. Albans IRA Rates

Apy	Min	Max	Product
1.55%	$500	-	60 Month IRA
1.55%	$500	-	60 Month Roth IRA
1.55%	$500	-	60 Month CESA IRA
1.10%	$500	-	48 Month IRA
1.10%	$500	-	48 Month Roth IRA
1.10%	$500	-	48 Month CESA IRA
0.85%	$500	-	36 Month IRA
0.85%	$500	-	36 Month Roth IRA
0.85%	$500	-	36 Month CESA IRA
0.70%	$500	-	24 Month IRA
0.70%	$500	-	24 Month Roth IRA
0.70%	$500	-	24 Month CESA IRA
0.50%	$500	-	18 Month IRA
0.50%	$500	-	18 Month Roth IRA
0.50%	$500	-	18 Month CESA IRA
0.45%	$500	-	12 Month IRA
0.45%	$500	-	12 Month Roth IRA
0.45%	$500	-	12 Month CESA IRA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month Roth IRA
0.30%	$500	-	6 Month CESA IRA
0.25%	$500	-	3 Month IRA
0.25%	$500	-	3 Month Roth IRA
0.25%	$500	-	3 Month CESA IRA
0.20%	$500	-	1 Month IRA
0.20%	$500	-	1 Month Roth IRA
0.20%	$500	-	1 Month CESA IRA
0.10%	$500	-	30 Month IRA
0.10%	$500	-	30 Month Roth IRA
0.10%	$500	-	30 Month CESA IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Peoples Trust Company of St. Albans
FDIC Certificate #	14168
BankRate Report	View
Year Established	1866
Employees	102
Primary Regulator	FDIC
Assets and Liabilities
Assets	$230.60 million
Loans	$147.46 million
Deposits	$193.61 million
Equity Capital	$31.30 million
Loan Loss Allowance	$3.15 million
Unbacked Noncurrent Loans	$12.41 million
Real Estate Owned	$25,000
Historic Data - March 2011
Assets	$224.56 million
Equity Capital	$30.01 million
Loan Loss Allowance	$1.99 million
Unbacked Noncurrent Loans	$11.65 million
Real Estate Owned	$88,000
Profit Margin - Quarterly
Net Interest Margin	4.15%
Return on Assets	0.48%
Return on Equity	3.53%
Interest Income	$2.43 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Peoples Trust Company of St. Albans had $12.43 million in non-current loans and owned real-estate with $34.46 million in equity and loan loss allowances on hand to cover it. This gives Peoples Trust Company of St. Albans a Texas Ratio of 36.09% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Peoples Trust Company of St. Albans held steady from 36.67% as of March 31, 2011 to 36.09% as of March 31, 2012, resulting in a positive change of 1.61%.This indicates that the balance sheet and financial strength for Peoples Trust Company of St. Albans has held steady in recent periods.
Deposit Growth
In the past year, Peoples Trust Company of St. Albans has increased its total deposits by $4.09 million, resulting in 2.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Peoples Trust Company of St. Albans has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Peoples Trust Company of St. Albans has $230.6 million in assets with $34.46 million in equity, resulting in a capitalization level of 14.94%, which is excellent.