Side-by-side · Q2 2026 data
The National Bank of Middlebury vs Peoples Trust Company of St. Albans
Metric by metric
| Measure | The National Bank of Middlebury | Peoples Trust Company of St. Albans |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 49 | 68 (stronger) |
| Loan quality | 95 (stronger) | 86 |
| Earnings | 60 | 61 (stronger) |
| Funding & liquidity | 91 (stronger) | 72 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 57th | 57th |
| Total assets | $553.5M | $395.4M |
| Deposits / shares | $500.2M | $348.8M |
| Capital ratio | 9.86% | 11.79% (stronger) |
| Problem loans | 0.15% (stronger) | 0.41% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.01% | 1.02% (stronger) |
| Loans ÷ deposits | 69.6% (stronger) | 84.4% |
| Uninsured deposits | 11.1% (stronger) | 18.1% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 9.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The National Bank of Middlebury leads on 4 and Peoples Trust Company of St. Albans on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.