Side-by-side · Q2 2026 data
Peoples Trust Company of St. Albans vs The North Country Savings Bank
Metric by metric
| Measure | Peoples Trust Company of St. Albans | The North Country Savings Bank |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 68 | 95 (stronger) |
| Loan quality | 86 (stronger) | 73 |
| Earnings | 61 | 72 (stronger) |
| Funding & liquidity | 72 (stronger) | 54 |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 57th | 72nd |
| Total assets | $395.4M | $373.5M |
| Deposits / shares | $348.8M | $296.6M |
| Capital ratio | 11.79% | 14.53% (stronger) |
| Problem loans | 0.41% (stronger) | 0.82% |
| Net charge-offs | 0.04% (stronger) | 0.04% |
| Return on assets | 1.02% | 1.30% (stronger) |
| Loans ÷ deposits | 84.4% (stronger) | 106.0% |
| Uninsured deposits | 18.1% | 4.6% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
The North Country Savings Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Peoples Trust Company of St. Albans leads on 3 and The North Country Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.