Peoples Tr Co of St Albans Safety Rating
Peoples Tr Co of St Albans's safety rating is grade A, a Bank Health Score of 87/100 built from FDIC call report data. That ranks #897 out of 3,960 FDIC-insured banks nationally (top 23%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Peoples Tr Co of St Albans's best component is Tier 1 capital (99/100) and its weakest is profitability (63/100).
This page answers a common banking-safety question: Peoples Tr Co of St Albans Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Peoples Tr Co of St Albans Safety Rating Breakdown
- Overall rating
- Grade A (87/100)
- National rank
- #897 of 3,960
- Tier 1 capital (35%)
- 99/100
- Loan quality (30%)
- 92/100
- Liquidity (25%)
- 76/100
- Profitability (10%)
- 63/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Peoples Tr Co of St Albans among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 23% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.86% | 99/100 |
| Nonperforming Loan Ratio | 0.40% | 92/100 |
| Liquidity Ratio | 23.90% | 76/100 |
| Return on Assets | 1.06% | 63/100 |
| Total Assets | $0.4B | |
How does Peoples Tr Co of St Albans compare?
With a Bank Health Score of 87/100, Peoples Tr Co of St Albans sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Vermont, where 11 FDIC-insured banks are headquartered, Peoples Tr Co of St Albans ranks above the state average of 75/100 (Grade B).
The bank's Tier 1 capital ratio of 14.86% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.40% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Peoples Tr Co of St Albans's Bank Health Score fell by 5.0 points to 87/100. Tier 1 capital weakened by 0.87 percentage points to 14.86%.
Frequently Asked Questions
Peoples Tr Co of St Albans's safety rating is grade A, a Bank Health Score of 87/100 built from FDIC call report data. That ranks #897 out of 3,960 FDIC-insured banks nationally (top 23%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Peoples Tr Co of St Albans's best component is Tier 1 capital (99/100) and its weakest is profitability (63/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Peoples Tr Co of St Albans: Tier 1 capital scores 99/100, loan quality 92/100, liquidity 76/100, and profitability 63/100 — combining to 87/100 (grade A).
Peoples Tr Co of St Albans's Bank Health Score of 87/100 is 12.0 points above the Vermont state average of 75/100. 11 FDIC-insured banks are headquartered in Vermont.
Yes. Peoples Tr Co of St Albans (FDIC certificate #14168) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Peoples Tr Co of St Albans
Peoples Tr Co of St Albans's safety rating is grade A, a Bank Health Score of 87/100 built from FDIC call report data. That ranks #897 out of 3,960 FDIC-insured banks nationally (top 23%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Peoples Tr Co of St Albans's best component is Tier 1 capital (99/100) and its weakest is profitability (63/100).