Bank · FDIC insured
Peoples Trust Company
A $395.4M bank headquartered in St. Albans, VT, with 5 branches in Vermont. Best rates: CDs 3.50% and savings 0.10% APY.
Peoples Trust Company Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#11 of 16 in Burlington, VT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Peoples Trust Company
Founded in 1886 by an Act of the Vermont General Assembly, Peoples Trust Company is Franklin County's only locally owned and operated bank.
Nestled in northwest Vermont, the bank has carried on an agricultural loan department since acquiring the Vermont Agricultural Credit Corporation in 1947.
- Headquarters
- 25 Kingman St, St. Albans, VT 05478
- FDIC certificate
- 14168 ↗
Branches
5 branches in Vermont
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Vermont
5 branches
- Peoples Trust Company of St. AlbansMain office25 Kingman St, St. Albans, VT 05478Directions
- Enosburg Falls Branch140 Main St, Enosburg Falls, VT 05450Directions
- Franklin Park West Branch59 Franklin Park W, St. Albans, VT 05478Directions
- Georgia Branch1127 Ethan Allen Highway, St. Albans, VT 05478Directions
- First Street Branch123 1st St, Swanton, VT 05488Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.41% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.02% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio11.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.41%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.02%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Peoples Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.