BlastPoint's Banking Scorecard
Peoples Trust Company of St. Albans
Micro
Specialty: Commercial
VT
FDIC cert 14168
Designations: ✓ Community bank
Saint Albans, VT
2498
banks in Micro tier nationally
5 in VT
View Micro leaderboard (VT) →
Peoples Trust Company of St. Albans shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.3M
+4.0% YoY
-1.1% QoQ
|
+$166.8M |
$217.5M
+2.3% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$287.7M
+5.6% YoY
-0.3% QoQ
|
+$148.6M |
$139.2M
+2.8% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$339.2M
+4.1% YoY
-0.9% QoQ
|
+$155.5M |
$183.7M
+1.8% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.09%
+10.9% YoY
+1.9% QoQ
|
+0.01% |
1.08%
+14.7% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.34%
+4.6% YoY
+1.5% QoQ
|
+0.49% |
3.85%
+6.6% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
72.48%
-0.7% YoY
-0.2% QoQ
|
+4.75% |
67.73%
-4.8% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.51%
+54.1% YoY
+49.4% QoQ
|
-0.13% |
0.64%
+24.4% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
84.83%
+1.4% YoY
+0.6% QoQ
|
+10.31% |
74.53%
+0.5% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
29.27%
-7.1% YoY
-7.6% QoQ
|
+6.88% |
22.39%
-1.3% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.39%
+56.3% YoY
+50.8% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
16.27%
+7.3% YoY
+4.1% QoQ
|
+7.42% |
8.85%
-3.4% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.78%
-6.7% YoY
+37.2% QoQ
|
+0.22% |
0.56%
+0.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Loans
Current: $287.7M · Tier avg: $139.2M
88
88th pctile
Total Deposits
Current: $339.2M · Tier avg: $183.7M
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
86
86th pctile
Total Assets
Current: $384.3M · Tier avg: $217.5M
77
77th pctile
Tier 1 Capital Ratio
Current: 16.27% · Tier avg: 8.85%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.27% · Tier avg: 22.39%
74
74th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.85%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
45
45th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.64%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
34
34th pctile
Efficiency Ratio
Current: 72.48% · Tier avg: 67.73%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.83% · Tier avg: 74.53%
Top Weaknesses
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.83% · Tier avg: 74.53%
34
34th pctile
Efficiency Ratio
Current: 72.48% · Tier avg: 67.73%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
45
45th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.64%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
74
74th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.85%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.27% · Tier avg: 22.39%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.27% · Tier avg: 8.85%
86
86th pctile
Total Assets
Current: $384.3M · Tier avg: $217.5M
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
88
88th pctile
Total Deposits
Current: $339.2M · Tier avg: $183.7M
90
90th pctile
Total Loans
Current: $287.7M · Tier avg: $139.2M