Peoples Trust Company of St. Albans: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Peoples Trust Company of St. Albans's strongest measure in Q2 2026 is net interest margin (4.26% vs. a 3.91% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $6.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.29% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 3.91% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.25% | 61.35% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.8M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.36% | 79.89% | Context |
What it means for lending operations
Its efficiency ratio of 75.25% is above the 61.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Ascendia Bank Glen Rock, NJ · $395M
- Peoples State Bank of Hallettsville Hallettsville, TX · $396M
- Grant County State Bank Swayzee, IN · $396M
- Citizens Bank of the South Sandersville, GA · $395M
- First Westroads Bank, Inc. Omaha, NE · $395M
- The Bank of Glen Burnie Glen Burnie, MD · $395M
Questions about Peoples Trust Company of St. Albans
How big is Peoples Trust Company of St. Albans?
Peoples Trust Company of St. Albans, established in 1866, is headquartered in Saint Albans, VT. It reported $395M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Peoples Trust Company of St. Albans's return on assets?
1.02% annualized in Q2 2026, against a 1.29% median for 999 U.S. banks with half to twice its assets, ahead of 33% of them.
What is Peoples Trust Company of St. Albans's efficiency ratio?
75.25% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 61.35%, and lower is better.
Is Peoples Trust Company of St. Albans growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 4.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Vermont bank ranked.