The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 74).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Vermont

Yes. Peoples Trust Company of St. Albans is an FDIC-insured institution (FDIC certificate #14168). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.1% of deposits ($63.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.67% (benchmark: 10%).

Check how much of your own balance is covered

Peoples Trust Company of St. Albans lists 5 offices in 3 cities. Most locations:

• Saint Albans, VT (3)
• Enosburg Falls, VT (1)
• Swanton, VT (1)

All branch addresses and map

In 2025, Peoples Trust Company of St. Albans reported 207 home-loan applications under HMDA (LEI 5493006WZJUEUK1TVM53): 165 originated ($49,925,000 total), 18 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Peoples Trust Company of St. Albans

Type

State-chartered bank

FDIC certificate #

14168

RSSD ID

463605

Primary regulator

FDIC

Established

November 12, 1866

Headquarters

25 Kingman St, Saint Albans, VT 05478

Website

www.ptcvt.com

Employees

82