Peoples Trust Company of St. Albans

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.25%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD
0.40%	1-year CD	12 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	Access Savings 1.30% - Nationwide Bank Online Savings Account

View all Peoples Trust Company of St. Albans rates »

Overview / Commentary

www.ptcvt.com

802-524-2196

25 Kingman Street
Saint Albans, VT 05478

Peoples Trust Company of St. Albans is headquartered in Saint Albans and is the 8^th largest bank in the state of Vermont. It is also the 2,439^th largest bank in the nation. It was established in 1866 and as of December of 2017, it had grown to 86 employees at 6 locations. Peoples Trust Company of St. Albans has a B+ health rating.

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Health

B+

Data as of Q4 2017

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Health Grade Components

Overall
FDIC Certificate #	14168
Year Established	1866
Employees	86
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.57%
Return on Equity - YTD	4.67%
Annual Interest Income	$9.7MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$262.1MM$254.3MM
Loans	Q4 2017vs Q4 2016	$168.4MM$146.8MM
Deposits	Q4 2017vs Q4 2016	$225.3MM$218.3MM
Equity Capital	Q4 2017vs Q4 2016	$31.8MM$31.6MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$2.3MM$2.2MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$4.3MM$4.3MM
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Peoples Trust Company of St. Albans Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	Health Savings Account
0.15%	-	-	Club Choice
0.10%	-	-	Personal Savings & ATM Savings
0.10%	-	-	Coach Club Savings
0.10%	-	-	Access Savings

Peoples Trust Company of St. Albans Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$150k^*	-	Premium Business Money Market
OTHER TIERS: 0.15% → $2,500 - $50k \| 0.20% → $50k - $150k
0.25%^*	$75k^*	-	Personal Money Market
OTHER TIERS: 0.10% → $1,500 - $25k \| 0.15% → $25k - $75k
0.10%	$500	-	Basic Business Money Market

Peoples Trust Company of St. Albans Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Personal Connection with Interest
0.05%	$1k	-	Business Connect with Interest

Peoples Trust Company of St. Albans CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$500	-	60 Month CD
1.00%	$500	-	48 Month CD
0.75%	$500	-	36 Month CD
0.60%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.40%	$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	ACCOUNT NAME
1.25%	$500	-	60 Month IRA
1.00%	$500	-	48 Month IRA
0.75%	$500	-	36 Month IRA
0.60%	$500	-	24 Month IRA
0.50%	$500	-	18 Month IRA
0.40%	$500	-	12 Month IRA
0.30%	$500	-	6 Month IRA
0.25%	$500	-	3 Month IRA
0.20%	$500	-	1 Month IRA
0.10%	$500	-	30 Month IRA

Locations

Peoples Trust Company of St. Albans Locations
First Street Branch	123 First Street	Swanton, VT 05488
Enosburg Falls Branch	140 Main Street	Enosburg Falls, VT 05450
Peoples Trust Company Of St. Albans	25 Kingman Street	Saint Albans, VT 05478
Franklin Park West Branch	1 Franklin Park West	Saint Albans, VT 05478
Essex Junction Branch	One Carmichael Street	Essex Junction, VT 05452
Georgia Branch	1127 Ethan Allen Highway	Fairfax, VT 05454

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