Peoples Trust Company of St. Albans

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 2,179^th largest bank in the nation. It was established in 1866 and as of June of 2022, it had grown to 82 employees at 5 locations. Peoples Trust Company of St. Albans has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	14168
Year Established	1866
Employees	82
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.31%
Return on Equity - YTD	3.41%
Annual Interest Income	$5.2MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$366.6MM$369.5MM
Loans	Q2 2022vs Q2 2021	$197.9MM$176.6MM
Deposits	Q2 2022vs Q2 2021	$329.8MM$328.2MM
Equity Capital	Q2 2022vs Q2 2021	$32.3MM$37.2MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$2.9MM$2.9MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$549.00K$661.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peoples Trust Company of St. Albans Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	-	-	Health Savings Account
0.10%	-	-	Personal Savings & ATM Savings
0.10%	-	-	Coach Club Savings
0.10%	-	-	Club Choice
0.10%	-	-	Access Savings

Peoples Trust Company of St. Albans Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$150k^*	-	Premium Business Money Market
OTHER TIERS: 0.15% → $2.5k - $50k \| 0.25% → $50k - $150k
0.25%^*	$75k^*	-	Personal Money Market
OTHER TIERS: 0.10% → $1.5k - $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
1.10%	$500	-	60 Month CD
0.85%	$500	-	48 Month CD
0.80%	$500	-	12 Month CD
0.75%	$500	-	6 Month CD
0.70%	$500	-	36 Month CD
0.60%	$500	-	24 Month CD
0.55%	$500	-	18 Month CD
0.25%	$500	-	3 Month CD
0.20%	$500	-	1 Month CD

Peoples Trust Company of St. Albans IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%	$500	-	60 Month IRA
0.85%	$500	-	48 Month IRA
0.80%	$500	-	12 Month IRA
0.75%	$500	-	6 Month IRA
0.70%	$500	-	36 Month IRA
0.60%	$500	-	24 Month IRA
0.55%	$500	-	18 Month IRA
0.25%	$500	-	3 Month IRA
0.20%	$500	-	1 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 St	Saint Albans, VT 05478
Franklin Park West Branch	59 Franklin Park W	Saint Albans, VT 05478
Georgia Branch	1127 Ethan Allen Highway	Saint Albans, VT 05478

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